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It’s often possible to use a gifted deposit when applying for a mortgage in Bristol.
This is where a family member gives you money to help with your deposit, and they don’t expect it to be repaid.
For example, if you’re buying a £220,000 home, a relative might gift £11,000 to meet the 5% deposit requirement.
Most lenders accept this, as long as the gift is clearly documented.
A mortgage advisor in Bristol, will explain what the lender needs and help submit the right paperwork, including a gifted deposit letter.
Lenders will generally allow a gifted deposit if it comes from someone with a strong personal or family link to the buyer, this could include:
Lenders want to see that the money is a true gift, not a loan.
Our mortgage advisors in Bristol can help check what’s needed and support you through the process.
Using a gifted deposit shouldn’t impact your ability to get a mortgage, but it does come with a few added requirements.
Lenders will need to see written confirmation that the money is a gift and not repayable.
If this is missing or unclear, it could delay the offer.
With professional mortgage advice in Bristol, everything can be prepared in advance so your application progresses without issues.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 2026
The first step is a free, no-obligation chat with a mortgage advisor in Bristol.
We’ll take the time to understand your income, deposit, and the type of property you’re looking to buy, whether you’re staying in the city or moving out to the surrounding areas.
Once we’ve got the full picture, we’ll compare thousands of mortgage options from different lenders.
We’ll factor in more than just the interest rate, looking at product fees, flexibility, and any available support schemes.
When you’re ready to apply, we’ll handle the full mortgage application on your behalf.
We’ll deal with the lender directly, manage any back-and-forth requests, and keep things moving at a pace that suits your timeline.
Before completion, we’ll help you consider how to protect your mortgage and finances.
We’ll talk through optional insurance that’s relevant to your situation, giving you the chance to safeguard your home without pressure.
Every customer starts with a free mortgage appointment.
We’ll take time to understand your personal and financial circumstances before recommending the right route forward, with no pressure and no commitment to proceed.
We’ve helped a wide range of customers across Bristol secure the right mortgage for their needs.
Whether you’re buying in the city centre or surrounding areas, we’ll look at your situation carefully and search for a product that suits you.
Our team are here to take the stress out of the mortgage process.
We handle everything from research and applications to chasing lenders and keeping you updated, all explained clearly, without jargon.
We’re open seven days a week to offer you flexibility around work and family life.
Evening and weekend slots are available, so you don’t need to wait until Monday to get things moving.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Bristolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Bristolmoneyman 2009–2026
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Bristolmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Bristolmoneyman 2009–2026
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