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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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Charlotte Chircop
First time buyers anxiety and unknown was made super comfortable and simple by using The Moneyman mortgage advisors. Conor and Stacey are a dream duo! Although we happened to start the search for a lender during the 2026 unexpected world conflicts, the pair worked tirelessly to get us the best rate possible and take the stress away! Would recommend again and again *****
8 Apr 2026
Gary Griffiths
Tom at Cardiff Moneyman is a superb mortgage broker, extremely professional and gave step by step guidance through my successful first time buyer mortgage application. He answered any questions I had within minutes of sending an email. Special mention to Stacey, who again was extremely professional and provided great attention to detail. I could not have been happier with the process and would highly recommend them to anyone looking for reliability and thorough professionalism.
18 Jun 2025
Lewis Bishop
Outstanding service from start to finish. As first-time buyers, we felt fully supported by Wayne and Debbie every step of the way. The whole team has been brilliant, we truly couldn’t have asked for better guidance.
19 May 2025
Jessica Bryan
I worked most closely with Paula and Dinah at UK MoneyMan to get a mortgage as a first time buyer. They were both friendly, helpful, professional and kept me updated at all times. And most importantly they got me a mortgage that works for me after years (decades!) of trying to get onto the property ladder. Thank you UK Moneyman
25 Sep 2024
Jack Davies
UK Moneyman have been brilliant from start to finish. They have helped me with my first mortgage and I am very grateful to Chris and his team who have worked hard in getting the right mortgage for me. A special mention to Chris, Lizzi and Melanie who have been a great help during this process. I will 100% use these guys again in the future and recommend them to anyone looking for help with mortgages.
27 Aug 2024
Sam Jones (STCJones)
Charlie and the team were really helpful in getting us a deal we could afford at a time of great market uncertainty. The support and advice offered is exceptional and was particularly great for us as first time buyers
10 Jul 2023
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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