Joint Mortgage - Foreign National / Gifted Deposit

riceraider

Hi,

My wife and I are hoping to progress a property purchase (new build). We are now in the process of looking for a suitable mortgage.
However, my wife is a foreign national (US resident) but she has indefinite rights to remain in the UK since 2007. And myself a UK resident. In terms of employment, we're both full time.

My wife was recently gifted money from her aunt to assist in our purchase. Her aunt is a resident of Taiwan and these funds were transfered from her Taiwan bank account directly to my wife's account in the UK.

The total deposit to our joint purchase will consist a combination of the gifted money (via my wife), my own personal savings and finally equity from the sale of our current property (in my name). The percentage split being 19% for gifted deposit, 33% my personal savings and 48% current property equity. Due to the large combined deposit, we are only looking for 35%LTV on the new property purchase.


Since looking into mortgages, can I get some advice if our particular situation is going to be problematic in getting a mortgage? The specific concerns I have are that
1) my wife being a foreign national
and also
2) her recieving a gifted deposit abroad from family.

I was planning on going with Nationwide, as my current mortgage is with them. However, I only recently noticed
some lending criteria which might cause issues i.e.
Source of Deposit
Non-EEA Foreign Nationals' deposits must come from their own resources.


Any advice or suggested lenders that would satify our situation would be greatly appreciated.