Genuine savings is where you demonstrate to a lender that you’ve been saving a significant amount of money for a reasonable period, usually using your bank records. However, some lenders will let you demonstrate you’re financially responsible in other ways. You could sell a car, boat, company shares or other assets to raise money for a home loan deposit. Shares and assets are a bit like having savings in some lenders’ eyes. That’s because buying shares is a form of investment or saving, and paying for cars and other assets requires financial discipline, too.