Which UK Lenders Accept a Non-Family Gifted Deposit?
Most UK lenders accept gifted deposits from immediate family. Only a minority accept gifts from friends, employers, or charitable sources — usually specialist lenders with source-of-funds evidence and a signed gift letter.
Data refreshed 2026-04-22. Information only — not advice.
Your situation
High Street Lenders
- AIB— Up to 95% LTV
- Bank of Ireland— Up to 95% LTV
- Barclays— Up to 95% LTV
- Clydesdale Bank— Up to 95% LTV
- Halifax— Up to 95% LTV
- HSBC— Up to 95% LTV
- Metro Bank— Up to 95% LTV
- Nationwide— Up to 95% LTV
- NatWest— Up to 95% LTV
- Santander— Up to 95% LTV
- The Co-operative Bank— Up to 95% LTV
- TSB— Up to 95% LTV
- Virgin Money— Up to 95% LTV
Building Societies
- Accord Mortgages— Up to 99% LTV
- Bath Building Society— Up to 95% LTV
- Buckinghamshire Building Society— Up to 90% LTV
- Cambridge Building Society— Up to 95% LTV
- Chorley Building Society— Up to 95% LTV
- Coventry Building Society— Up to 95% LTV
- Cumberland Building Society— Up to 95% LTV
- Darlington Building Society— Up to 95% LTV
- Dudley Building Society— Up to 90% LTV
- Earl Shilton Building Society— Up to 95% LTV
- Family Building Society— Up to 80% LTV
- Furness Building Society— Up to 95% LTV
- Godiva Mortgages— Up to 95% LTV
- Hanley Economic Building Society— Up to 95% LTV
- Harpenden BS— Up to 80% LTV
- Hinckley & Rugby Building Society— Up to 95% LTV
- Leeds Building Society— Up to 95% LTV
- Leek Building Society— Up to 95% LTV
- Loughborough Building Society— Up to 95% LTV
- Mansfield Building Society— Up to 95% LTV
- Market Harborough Building Society— Up to 80% LTV
- Marsden Building Society— Up to 95% LTV
- Monmouthshire Building Society— Up to 95% LTV
- Newbury Building Society— Up to 95% LTV
- Newcastle Building Society— Up to 95% LTV
- Nottingham Building Society— Up to 95% LTV
- Penrith Building Society— Up to 90% LTV
- Principality Building Society— Up to 95% LTV
- Progressive Building Society— Up to 95% LTV
- Saffron Building Society— Up to 95% LTV
- Skipton Building Society— Up to 100% LTV
- Stafford Railway Building Society— Up to 95% LTV
- Suffolk Building Society— Up to 95% LTV
- Swansea Building Society— Up to 80% LTV
- Teachers Building Society— Up to 95% LTV
- The Melton Building Society— See lender criteria
- Tipton & Coseley Building Society— Up to 95% LTV
- Vernon Building Society— Up to 95% LTV
- West Bromwich Building Society— Up to 95% LTV
Specialist Lenders
- Aldermore— Up to 95% LTV
- Atom Bank— Up to 95% LTV
- Bluestone Mortgages— Up to 90% LTV
- BM Solutions— Up to 80% LTV
- Foundation Home Loans— Up to 90% LTV
- Gatehouse Bank— Up to 80% LTV
- Generation Home— Up to 95% LTV
- Hodge Bank— Up to 95% LTV
- InterBay— Up to 85% LTV
- Kensington Mortgages— Up to 95% LTV
- Keystone Property Finance— Up to 80% LTV
- LendInvest— Up to 90% LTV
- Pepper Money— See lender criteria
- Perenna— Up to 95% LTV
- Precise Mortgages— Up to 95% LTV
- Rely Mortgages— See lender criteria
- Tandem Bank— Up to 90% LTV
- The Mortgage Lender— Up to 95% LTV
- The Mortgage Works— Up to 80% LTV
- Together— See lender criteria
- United Trust Bank— Up to 85% LTV
- Vida Homeloans— Up to 97% LTV
- West One Loans— Up to 97.5% LTV
Why some lenders say no
- Most lenders limit gifted deposits to immediate family (parents, grandparents, siblings, spouse).
- Non-family gifts trigger stricter anti-money-laundering source-of-funds checks.
- A signed, non-refundable gift letter is required regardless of source.
Related reading: Gifted deposits — full guide · How deposit size affects what you can borrow
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Run My Affordability CheckFrequently asked questions
What counts as 'immediate family'?
Parents, grandparents, siblings, spouse or civil partner, children. Most lenders also include step-family. Some extend to aunts, uncles, first cousins.
Can my employer gift me a deposit?
Rarely as a cash gift, more often as an employer equity-loan scheme. A true gift from an employer is treated as a non-family source and most lenders decline. Specialist lenders (Kensington, Precise) consider case-by-case.
What if the gift is from a charity?
Some lenders accept gifts from specific charities (e.g. Shelter, some veterans' charities) if documented. The charity usually provides a standard letter the lender accepts.
Do I have to pay the gift back?
No. The gift letter explicitly states it is non-refundable with no beneficial interest in the property. Any loan or expectation of repayment disqualifies it as a gift.
