It said the changes were made in response to almost daily requests to accommodate gifted deposits.
Gifts from parents, grandparents, siblings, aunts and uncles including step and adopted relationships will qualify.
For contractors, applications will be assessed on their contracted rate, with a 48 times weekly rate multiple, up to a loan to value of 85%.
New contractors with a minimum of three months proof of contractor income will also be considered up to 75% loan to value.
The Mortgage Lender sales and marketing director Pete Thomson (pictured) said: “Our sales team were being asked almost daily if we could consider applications with family gifted equity, so we’ve worked hard to do something about that and fulfil market demand.
“These criteria changes put The Mortgage Lender in a position we feel makes us one of the most flexible in the market and more attractive to certain segments.
“We constantly ask the market to challenge us to improve and create the products they need. Here is proof that we do more than just listen – we also respond,” he added.