What do lenders expect for gifted deposit letters?
Source of wealth checks, template expectations, and anti-money laundering friction points on family gifts in England and Wales.
Published: 18 Apr 2026 · Updated: 18 Apr 2026 · 9 min read
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Gifts are allowed but evidenced
Lenders seek clarity that money is not a hidden loan and that the donor understands rights.
Typical evidence
Signed gift letter with relationship stated.
Bank trails aligned with conveyancer timelines.
ID where panels demand it.
Coordinate early so mortgage and purchase teams do not contradict each other.
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