Hi Theo,

There are limited option for a non direct family member gifting a deposit, although it is not impossible

The level and reason for the deposit gift will be critical as to what options you may have....

Then at 5% deposit, you are likely to be on the right track with either Help to buy on a new build or indeed a shared ownership property.

The deposit source is likely to be a bigger barrier than the Debt Management Plan, although a combination of the 2 does make this tricky...

Hope this helps