Mortgage question

[KitTea3]

For background
Let's say a couple had £83k in savings (from inheritance -and had a letter stating it was a gift from 2020) and then had an additional £20k from savings, and wanted to put down a deposit of around £90k on a £150,000 house.....

...will a mortgage lender be willing to
A) lend around the remaining £60k (or is there a limit on the lowest amount a mortgage can be)
And
B)be willing to lend that on a combined income of £35k per year?

From what I've seen from the income could be lent up to £120k but not sure if any banks do mortgages for <£50k

Yes you can get a mortgage for 60k. Majority of lenders minimum loan size is 25k.

I got a mortgage in 2024 with Nationwide for £40k.

Yes
and
Yes

I’d put down 35%. Keep some savings. Mortgage rates reduce with a bigger deposit but I’d definitely not use savings so I only had £13,000 left. You need to budget for fees and improvements.