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If you’re buying a home in Cardiff, using a gifted deposit could be a good option.
This is when a family member gives you money to put towards your deposit, and they confirm that you don’t need to pay it back.
For example, if you’re buying a £180,000 home, your parents might gift you £9,000 to cover the deposit. Lenders will usually accept this, as long as the funds are properly declared.
A mortgage advisor in Cardiff, can help arrange the right documents and find a lender who offers gifted deposit mortgages in Cardiff.
Lenders in Cardiff typically allow gifted deposits from someone with a close family or household connection, this often includes:
The gift mustn’t be expected to be repaid.
Our mortgage advisor in Cardiff can guide you through what your lender requires and help you submit the right documents.
A gifted deposit won’t affect your chances of getting a mortgage in Cardiff, but it can add a few extra steps to the process.
Lenders need to confirm that the money is a gift and not a loan.
This involves submitting a signed declaration and evidence of where the funds have come from.
With expert mortgage advice in Cardiff, this can be organised quickly and won’t hold up your application.
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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5.00 Rating19 Reviews
Adam
Very helpful throughout the process and on the phone, helpful during the buying process to understand what mortgage rates I would be likely to get and advice on what properties were less suitable than others for offers.
Daniela
Very helpful throughout the whole process. Useful advice and no nonsense. Worked quickly and I received regular updates and did not need to chase people up for things to get done. Very satisfied and will definitely use the service again if needed in...
Lewis
Wayne was absolutely fantastic, and a pillar of support before, during and after we obtained our mortgage offer. I would absolutely recommend Wayne and MoneyMan again!
Eilish
Great service
Adrian
Excellent service
John
Wayne was great throughout whole process of buying our first home, he gave us great confidence and simplified the whole process for us. Would defintiely recommend.
Jack
Matt, Jo and all those involved have been excellent it helping me and my partner navigate the mortgage process. Their guidance have been invaluable and without the support we would have really struggled. Would highly recommend.
Anonymous
Brilliant service. Quick response to any questions we had and explained everything clearly. Kept the process moving for us which was greatly appreciated. Thanks!!
Justine
As a first time buyer and someone who doesnt know much about the process, Malcolm and the team were very informative and helpful during the entire process. We were allowed to ask a list of questions about our blind-spots to do with taking on a...
Matthew
Can’t thank Cardiffmoneyman enough in helping me buy my first home. Leo my appointed advisor has been monumental in getting me the best deal and explaining the whole process and making it as easy as possible in what would be a stressful time. Also...
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
Owain
Cardiffmoneyman have been fantastic at guiding me through the home buying process. Great and friendly communication with excellent pacing on the amount of information presented at once. Truly helped simplify the home buying process.
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
Daniel
Matt has been brilliant throughout the whole process, very knowledgeable and helpful. The process has been smooth throughout. The application was submitted on Wednesday and the mortgage offer was approved by Friday! Talk about that for service.
Jane
I recently had the pleasure of working with UK Moneyman, and I couldn't be more impressed with the level of professionalism and care that they provided me. As someone with a poor credit rating at the age of 60, I never thought it would be possible...
Josh
Leanne was very friendly, build up an instance rapport and helped me with my all questions prior to my meeting with another Advisor tomorrow. Thank you Leanne for your help. Josh 😀
Thomas
Cardiffmoneyman has been perfect for us as First Time Buyers. Charlie & Leo were both great at sorting everything out for us promptly and explaining things clearly. Everyone we’ve spoken has been super friendly and helpful. We’re very grateful...
Stacie
We were recommended to use Cardiffmoneyman, by friends who used them looking to remortgage. They were fantastic. From start to finish, we were kept informed throughout the entire process, and their working hours were handy, as I and my husband both...
Emma
Jason was great! Being self employed I thought I would never get a mortgage, but here we are and im happily moving into my new home. Couldn't have done this without you and your team, thank you!
We’ll begin with a free appointment where you can speak to a mortgage advisor about your situation.
We’ll look at your income, deposit and property plans, and explain what sort of mortgage options are likely to be available to you.
Using our wide lender panel, we’ll search through thousands of mortgage deals to find the right fit for your needs.
Whether you’re buying in the city or further afield, we’ll tailor our recommendation to suit your plans.
Once a product has been selected, we’ll prepare and submit your application to the lender.
We’ll deal with document checks, updates and progress tracking, so you don’t have to chase or second-guess what’s happening.
Before you complete, we’ll explain how you can protect your mortgage and finances with optional cover.
There’s no pressure to take anything, but we’ll help you weigh up the options and decide what feels right for you and your household.
We offer a free mortgage appointment to every customer in Cardiff, whether you’re just starting out or already have a property in mind.
We’ll look at your circumstances and explain your options in plain terms.
We’ve supported buyers across Cardiff and the surrounding areas with expert mortgage advice for many years.
Our advisors understand which lenders to approach based on your goals, income, and deposit.
You’ll receive full support throughout your mortgage journey, with a dedicated advisor on hand to handle the details.
From application to completion, we’ll be there to keep things simple and stress-free.
Appointments are available every day of the week, including evenings and weekends.
Whether you prefer a phone call or face-to-face appointment, we’ll work around your availability 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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Cardiffmoneyman 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.
© Cardiffmoneyman 2009–2026
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Cardiffmoneyman 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.
© Cardiffmoneyman 2009–2026
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