Debts and house deposit - does this sound like a good plan?

[KarenOH]

My MIL is gifting DH and I a lump sum of $60,000 (she has already paid CGT etc and met her financial obligations from Aus). This transfers to roughly £30K.

Some questions:

She will transfer the money into DHs Aus bank account (he is Aus citizen but has unlimited leave to remain in the UK) Is there an efficient way to transfer the money to the UK?

Are we missing anything we need to declare anywhere?

We have around £10K credit card debt that has interest and 10K currently interest free for the next 12-18 months. We plan to:

Clear the 10K debt with interest
Move 8K into 2 LISAS for this year
Move 8K into a high interest ISA like plum and then move that into our LISAs for 2024/2025.

We will be able to clear the remaining debt in the next 12 months before interest is accrued.

Does this seem like a solid plan?

What about the remaining 4K? Also, I’m not sure if you will struggle to open ISAs with money from abroad that easily.

4K - into the ISA perhaps to gain interest?

We would transfer the money to a UK bank account before moving to the LISA/ISA.