Gifted deposit from a partner

rollemasil

Does anyone know whether a mortgage lender will accept a gifted deposit from a partner provided that they are happy to declare no interest in getting it back? My boyfriend has money from the sale of a property and would like to give some to me to help me buy a house but I'm worried that, because it isn't coming from a relative, it won't be accepted.

If it is an issue the only option we can think of is transferring the money to my parents to then give to me (although this is pretty much money laundering, rather ironically) but would my parents need to prove where they got the money from? Would it be enough for me to show my account with the money in it having come from them or would they need to provide bank statements? Obviously if they do then the plan wouldn't work as the lender would see the lump sum arriving from my boyfriend.

I can't decide what to do for the best. The most straight forward way is for them to accept the deposit from my boyfriend as we can prove its existence and provenence easily but if we try that and are refused and I then say the money is coming from my parents instead that will surely raise suspicions? On the other hand saying from the outset that it's my parents money is less likely to bother them in the first place. Tricky. Any advice?

Incidentally I am aware that one of the criteria of gifted deposits is that the donor can't live in the property but this isn't a problem as he is going to work in the states.

All help greatly appreciated.