Gift Letter Generator

Create a gift letter for a mortgage or bank - confirm that funds are a genuine gift with no repayment expected, so a lender can accept them. Download as PDF or Word.

Create Gift Letter How it works

Free to start · PDF & Word download · No credit card required

What is a mortgage gift letter?

A gift letter is a signed statement confirming that money given to a home buyer is a genuine gift with no expectation of repayment. Mortgage lenders require one when a down payment or deposit is funded by family, because a hidden loan would affect the borrower's ability to repay. It names the donor, the amount, the relationship and confirms no repayment is due.

Create a professional gift letter online

The Invoxaco Gift Letter Generator lets you produce a clean, professional gift letter in minutes — no design skills or expensive software needed. Fill in a simple guided form, preview the result instantly, and download a print-ready PDF or an editable Microsoft Word file. Your company logo, brand colour and signature are applied automatically to every document you create.

Built to a professional international standard suitable for businesses in the United States, United Kingdom, Canada, Australia, Ireland and across Europe, the Gift Letter Generator helps freelancers, small businesses and enterprises create accurate, consistent documents that look great and read professionally.

How to create a gift letter in 3 steps

Step 1

Open the generator

Click “Create Gift Letter” to open the online form — free, with no software to install.

Step 2

Fill in your details

Complete the guided fields. Your logo, branding and signature are added automatically.

Step 3

Preview & download

Preview instantly, then download as PDF or Word — or email it to your client directly.

Why use the Invoxaco Gift Letter Generator?

Fast & easy

Create a polished gift letter in minutes with a simple guided form.

PDF & Word export

Download a print-ready PDF or an editable Microsoft Word document.

Your branding

Add your logo, brand colour, signature and stamp for a professional finish.

International standard

Neutral, professional wording suited to the US, UK, EU, Canada & Australia.

Secure & private

Your data stays private and your documents are yours to keep.

Reuse anytime

Save your documents and duplicate or edit them whenever you need.

Frequently asked questions

A gift letter is a signed statement confirming that money given to a home buyer is a genuine gift with no expectation of repayment. Mortgage lenders require one when a down payment or deposit is funded by family, because a hidden loan would affect the borrower's ability to repay. It names the donor, the amount, the relationship and confirms no repayment is due.

It should include the donor's and recipient's names and contact details, the gift amount, the relationship between them, the source of the funds, the property (if applicable), and a clear statement that no repayment is expected, with the donor's signature. Invoxaco captures all of these.

Yes. Complete the form, preview it, and download a print-ready PDF, or an editable Microsoft Word (DOCX) file on Pro and Premium plans, ready to sign and give to your lender.

The format follows what mortgage lenders in the US, UK, Canada, Australia and elsewhere typically require. Your specific lender may have an exact template or extra requirements (such as bank statements), so confirm with them before submitting.

Yes. Every field is editable and the donor can sign via the signature field for a complete, lender-ready letter.

Ready to create your gift letter?

Start now — it’s free, and your first document takes just a couple of minutes.

Create Gift Letter now