I’m in the process of buying a house. Completion date is planned for this Thursday, 9 December. My mortgage advisor got a promotion and I got passed to another one who wasn’t very good. He apparently did tell the lender we are using some gifted money but I didn’t tell him how much because I had questions over what counts as gifted (value over home report etc, Im in Scotland) and then we never had another conversation about it. Now the solicitor has fully explained what constitutes a gift and needs to find out what the mortgage advisor told the lender because some of our savings counts as gift.
We also got married earlier this year and I was given money from my parents in may which is of course showing in the account and then our wedding also got restricted due to covid and cost less. I didn’t fully click this would count as gifted til today.
Will the mortgage lender not like it if they are told we have gifted money they didn’t know about? Will it delay us? Am I making any sense?