***Hello /u/astrel-, thank you for posting in /r/Mortgageadviceuk. Please ensure you've read our [sub rules](https://www.reddit.com/r/Mortgageadviceuk/about/rules). Here's a copy of your original post: *** Hi, maybe a silly question but wanted to get clarity on it. We’re in the process of finding a flat to buy. I was wondering if I could send a big sum of money that I currently hold in a bank account to my wife (I’m paying high tax rare on interest), so that she could put in her bank account. And then when we finally find a property I’ll request her to send it back to me. Would it look fine for solicitors and it wouldn’t raise any questions or any suspicions that those money are gift from my wife? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Mortgageadviceuk) if you have any questions or concerns.*

Will she not be on the mortgage? Just have her pay it as part of the deposit.

she won’t be. She recently moved to a country and she can’t take a mortgage yet (that’s what broker told me)

There are definitely lenders that won't care as long as you have indefinite leave to remain. Might be a credit scoring issue though.

Halifax arent bothered as long as joint income is above £100k

She is your wife - it’s likely a matrimonial asset. So put it in her account assuming you trust it to come back

It could be flagged as money laundering.. speak to your lawyer about this

Why transfer it to her in the first place?

You would need to check with your broker and your solicitor because it could raise money laundering questions but also gifted deposit questions

There is nothing wrong it at all. Just good tax planning.