United Kingdom
Gifted deposit letter for a UK mortgage
UK lenders do not share one national form. Nationwide says to tell them if someone gave you deposit money in the last 12 months, that a gift of £10,000 or more needs Nationwide’s Gifted Deposit Form, and that the donor cannot expect to own part of the property. Requirements vary by lender. This page drafts an unconditional gifted deposit letter from facts you supply.
A family gift tied to a second charge is outside this draft. Canada and the US gift letter are separate pages.
Preview
The draft shows up here. Until you unlock a copy, the preview is watermarked and the second half stays hidden. Copy and download of the finished letter include signature and date lines.
What the published sources say
These are summaries, with the page we read and the date we read it. They are not official forms, and the drafter is not allowed to invent rules beyond this file.
United Kingdom — one lender’s published position
The UK has no single official gifted-deposit form on this site. Nationwide Building Society’s own help page says to tell them if someone gave you deposit money in the last 12 months. A gifted deposit of £10,000 or more needs Nationwide’s Gifted Deposit Form. Anyone 18 or over can give the money, but there cannot be conditions attached, and the page’s example is that the donor cannot expect to own part of the property. The page describes a narrow exception for a family gift subject to a second charge or family trust, where the only condition is repayment of the charge when the property is sold. If the gift was received in the last 12 months, Nationwide says it needs statements showing where the money came from: three months when the funds or the donor are in the EEA outside the UK, and six months when they are outside the EEA. A gift received more than 12 months ago may be used as a standard deposit.
- Tell the lender about a gifted deposit received in the last 12 months.
- For £10,000 or more, Nationwide asks for its own Gifted Deposit Form.
- The gift cannot carry conditions such as the donor expecting to own part of the home, aside from the second-charge exception the page describes.
- Keep statements that show where a recent gift came from. Nationwide’s page sets the statement length by where the funds and the donor are.
- Requirements vary by lender. This note is Nationwide’s published help page, not a UK-wide rule.
- This tool drafts an unconditional gift only. It does not draft a second-charge or family-trust arrangement.
- Halifax and other lenders publish their own criteria. Those were not copied here unless they appeared on the lender’s own site in a form we could verify. A broker-hosted Halifax letter was not treated as the lender’s source.
- Nationwide Building Society, Using a gift for a mortgage deposit — Page read 2026-11-10; no issue date printed on the page
Blank gifted deposit letter
Free to copy. Nationwide and other lenders may still require their own form.
To whom it may concern: I, [donor name], of [donor address], am giving [applicant name] a gifted deposit of £[amount]. [Applicant name] is my [relationship]. The gifted deposit is for the property at [property address]. The funds [were transferred / will be transferred] on [date]. The gift is not repayable. I will not acquire an interest in the property. There are no conditions attached to this gift. Phone: [donor phone] Donor signature: ______________________________ Date: ________________ Applicant signature: __________________________ Date: ________________
Sample letter
SAMPLE — not a real letter, and not your draft. To whom it may concern: I, Priya Shah, of 12 Lane End, Bristol BS3 4AA, am giving Sam Shah a gift of £20,000.00. Sam Shah is my child. This gifted deposit is for a UK mortgage application. The gift is for the property at 8 Harbour Road, Bristol BS1 5TX. I will transfer the funds on June 2, 2026. No repayment is expected, now or later. I do not expect an ownership interest in the property. Phone: 0117 555 0148 Priya Shah
What does a mortgage gift letter have to say?
For a conventional loan sold to Fannie Mae, Selling Guide B3-4.3-04 says the donor’s letter must state the actual or maximum amount, say that no repayment is expected, and give the donor’s name, address, phone number, and relationship to the borrower. FHA’s Handbook 4000.1, in the August 13, 2025 issuance, also requires the borrower’s signature and date. Your lender can ask for its own form on top of that.
Can I call it a gift if I will pay the money back?
No. If the money has to be repaid, it is a loan. This site will not draft a gift letter for that. Tell your loan officer the real terms. A false statement to a lender can be a federal crime under 18 U.S.C. §1014.
Do you keep a copy of the letter?
No. The draft is returned to your browser and kept in this tab’s session storage so you can preview it. The server does not store the letter text. Clearing the tab clears the draft.
Will you take my Social Security number or full account number?
No. The form rejects Social Security numbers and long account numbers. An optional last 4 of the donor account is the only account detail the gift letter form accepts.
Are you affiliated with Fannie Mae, FHA, VA, or a lender?
No. Mortgage Gift Letter is not Fannie Mae, Freddie Mac, Ginnie Mae, FHA, VA, Nationwide, RBC, or any lender or broker. Notes on this site are summaries of public pages, with the source linked. They are not an official form.
Is this financial, legal, or mortgage advice?
No. We format a letter from facts you supply. We are not your loan officer, lawyer, or broker. Your lender’s requirements and forms take priority. Ask which format they accept before you rely on a draft.
What do I get before I pay?
A watermarked preview with the second half hidden, plus the blank templates on each page. Copy and download of the finished letter, as PDF and Word, unlock after purchase. Single letter is $4.99. Unlimited letters for one loan, for 30 days in this browser, is $9.99. If checkout is not connected, the button says coming soon.
Do UK and Canadian lenders use the same letter?
No. Requirements vary by lender. The UK page summarizes Nationwide’s published gifted-deposit page. The Canada page summarizes what RBC has published on its own site. Neither is a national form.