Family Deposit Mortgages from Nationwide

Think back to when you saved for your first home – or towards that next big move. All those extra hours worked, those little treats you went without. All that effort for a place to call your own.

It’s no easier today than it was then. In fact for many, it’s now even harder. That’s why we've created our Family Deposit Mortgage range.

How does a Family Deposit Mortgage work?

Say you already have a mortgage with us. Borrow against part of the equity in your home, and you can gift that additional borrowing to a family member as a deposit on a home of their own.

Who counts as 'Family'?

We know lots of people are thought of as family. So we include family members like children, step-children, spouses, civil partners, parents, brothers, sisters, grandparents, grandchildren.

Whoever you choose to help with a Family Deposit Mortgage, all we ask is that they buy their first home – or move house – with a Nationwide mortgage.

Helpers and Buyers

We call those helping family members with their deposit 'Helpers'.

The family members who receive a gifted deposit we call 'Buyers'.

Helpers need to Buyers need to

Have a mortgage with us and be borrowing more.


Be buying their first home – or moving home – with a Nationwide mortgage.


Have a copy of their Buyer's valid Nationwide Decision in Principle (DIP) when applying for their mortgage.


Have a valid Nationwide Decision in Principle (DIP) and give a copy of it to their Helper.

Have any questions? See our Frequently asked questions about Family Deposit Mortgages.

Loan to value restrictions apply. See our full Family Deposit Mortgage terms and conditions.

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.