My best friend and her husband wish to upgade their current PPOR. Based on the own income (one partner on maternity leave, and three dependents) they would not qualify for a loan size large enough to secure the property they are keen on. The in-laws have offered to help- not by way of a lump sum though. They have offered to help only toward repayments on the new loan. In my experience there is no such bank which will accept potential servicing help from the bank of mum and dad in a valid loan application. Am I incorrect in this assessment? Is there a way to use their offer to help with the mortgage repayments to validly obtain a larger loan for the couple?