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Yes, many buyers in Cambridge use gifted deposits to get a mortgage.
This means a family member gives you money towards your deposit without expecting repayment.
For example, a parent might gift £20,000 to help with a 10% deposit on a £200,000 home.
As long as the money is a true gift and the paperwork confirms this, most lenders will accept it.
A mortgage broker in Cambridge, like ourselves, can check which lenders support this and help prepare everything the lender needs.
If you’re buying a home in Cambridge with a gifted deposit, most lenders will want the funds to come from a close family member, accepted relationships often include:
The gift must be unconditional and supported by a signed declaration.
Our mortgage advisors in Cambridge can check whether your deposit setup is acceptable and help with the paperwork.
A gifted deposit is unlikely to affect your mortgage offer, as long as it’s declared correctly.
Lenders in Cambridge are used to seeing this type of support, especially for first time buyers.
They’ll just need confirmation that the funds are a gift and not tied to any repayment terms.
Mortgage advice in Cambridge can help ensure this is all handled at the right time, with the correct documents in place.
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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Every customer starts with a free appointment, where we’ll talk through your financial circumstances and property plans.
Whether you’re buying in the city or one of the surrounding towns, our mortgage advisor will help you understand what your options look like.
We’ll search through thousands of mortgage products, checking deals from a wide panel of lenders.
With property prices often higher in Cambridge, we’ll focus on securing a deal that suits both your monthly budget and long-term needs.
Once you’ve chosen the right mortgage, we’ll take care of the application from start to finish.
That includes submitting documents, liaising with the lender, and making sure the process stays on track at every stage.
As you approach completion, we’ll speak to you about protecting your mortgage, your home, and your income.
We’ll explain what’s available in clear terms, giving you the chance to make an informed decision about your cover.
We’ll begin with a free appointment, giving you the chance to ask questions and explore your options without any pressure.
It’s a simple way to understand what’s available to you, based on your current financial position.
We offer expert mortgage advice tailored to buyers in and around Cambridge.
Whether you’re purchasing in the city or looking further out, we’ll help match you with lenders that understand your priorities.
We’re here to guide you through the entire mortgage journey, from the first conversation to receiving your offer.
You’ll receive regular updates, support with documents, and someone you can contact whenever you have questions.
Our team are available throughout the week, including evenings and weekends, so you can get mortgage advice at a time that fits around you.
We make it easy to stay in touch, no matter how busy your week is.
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Cambridgemoneyman 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.
© Cambridgemoneyman 2009–2026
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Cambridgemoneyman 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.
© Cambridgemoneyman 2009–2026
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