Does a gift letter also require seeing a solicitor


New Member
Hi i have been gifted 10,000 towards the deposit on a house from my mother. I understand the need to submit a gift letter but will the person giving the gift also need to go to a solicitor to make a declaration ? Mortgage with Ulster bank, my broker is saying they will eventually ask for the gifter to do this. Has anyone else had any experience of this with Ulster Bank.?

Brendan Burgess

I know nothing about this, but why on earth are you getting a mortgage from Ulster Bank?
Your mortgage will be sold to permanent tsb and you will be stuck on high rates and be forced to switch which is a lot of trouble and expense.
If you want to pay high rates, go straight to ptsb and, at least, get cash back.



Registered User
I got a mortgage with UB in 2018.

In my case, my parents gave me a bridging loan.

However, I think I recall that it was described as a gift to us.

Yes, UB did insist on my parents getting legal advice.

A solicitor telling my father how CAT works for half an hour cost me 150+ VAT = 184.


Registered User
You should not need to visit a solicitor. All most banks require is a letter from the person giving the money stating that it is a gift and not repayable. Your broker will know what’s required for UB


Registered User
I have recent experience of this ( pre Covid) I can't remember which bank but the gift letter was not sufficient and I had to sign a standard declaration form that the bank provided and the solicitor had to witness me signing it. However, she could witness the signing over facetime and I posted the original to her.

Check with the bank, and dont leave it to the last minute, like we did !
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Dave Vanian

Registered User
As can be seen from the variety of replies above, different banks have different procedures. Some require independent legal advice for the donor; some don't. Some only insist on independent legal advice for the donor above a certain gift size. Some look for it, but will be satisfied if the donor declares that they were advised to get independent legal advice and declined it. I haven't had an Ulster Bank mortgage application with gift across my desk for quite some time and I can't remember what their rules are. Your broker seems to be clear on which one applies here.

Baby boomer

Registered User
Asking for a gift letter in the first place is obtrusive enough although I can (just about) accept there's a possible good reason for it. Insisting on independent legal advice is ridiculous - particularly if the donor signs a declaration that they've been advised to do so and have declined. Does the Central Bank not have the power to stop this unnecessary expense being foisted on purchasers and their families?