Find out everything you need to know about gifted deposits with Halifax. From knowing who can gift them, to rules and important tax issues to be aware of.If part of your mortgage deposit is a gift, the lender may ask for a mortgage gift letter confirming the funds are not a loan. Downloadable template. Hi, I'm new to this but need advice. My parents have given me and my brother a substantial cash gift. The letter should be completed and submitted along with proof of ID, address, and funds. The letter must explain who is gifting the money, where the donor's funds are coming from and the relationship between the donor and the recipient. Here's a sample gift letter you can use to prove that the money is truly meant as an outright gift, with no expectation of repayment. Could someone please give this the once over?