Concerning

Emmia

Blotto17 said:

Well there is concerns she is on a zero hour contract 

That's even more reason for her to protect the £40k  and her interest in the portion of the property that buys.

Ady87

You’ll never get someone on this board to advocate for sketchy activity. Do I think you would get away with it if she signed a declaration that the £40k was a gift, on the understanding that she wasn’t going to live in the property but then she just moved in week 1? Yes. Do I think that’s a good idea? No.

Blotto17

Ady87 said:

You’ll never get someone on this board to advocate for sketchy activity. Do I think you would get away with it if she signed a declaration that the £40k was a gift, on the understanding that she wasn’t going to live in the property but then she just moved in week 1? Yes. Do I think that’s a good idea? No.

It’s just moving forward and living with that thought in your head. You don’t want niggling doubts. There’s enough stress involved as it is 

Bigphil1474

It's a right pain buying a house, but you don't really want lies and half truths making it worse. As a previous poster said, can't see why her income and financial situation should make it less likely they'll get a mortgage if she doesn't have any problems.

From her perspective, I'd be saying a big no, as she potentially loses all her money - not just if the guy stabs her in the back (people can change), but also if he dies for example - might be able to cover that off in a will, but still risky to me.. If he has a document saying she gave him the money, she wouldn't have a leg to stand on trying to claim it wasn't a gift a few years down the line. Personally, I'd tell your friend to do it properly as a joint mortgage, or him buy on his own without her money and she move in as a separate thing.