The short answer
It may be accepted, but the lender and conveyancer can require extra source-of-funds and identity evidence.
HMRC anti-money-laundering guidance describes confirming the source of gifted funds using bank records and verifying that the explanation and financial trail make sense. Cross-border gifts can add currency-conversion and documentation requirements.
What to do next
Before transferring the gift, ask the mortgage adviser and solicitor for their required gift letter, donor identity evidence and bank-statement history.
177 Mortgages
This official website is a relevant starting point for this question. Product access or eligibility depends on where you live and the provider's own requirements.
Visit 177 Mortgages ↗Official website — not an affiliate tracking link. A resource link does not imply that every reader qualifies for its services.
Questions people ask
What is the direct recommendation for can my mortgage deposit be gifted from a family member living overseas?
It may be accepted, but the lender and conveyancer can require extra source-of-funds and identity evidence.
Which residency or country restrictions apply to can my mortgage deposit be gifted from a family member living overseas?
Yes. This page describes the rule or example for United Kingdom. The contract, residence and tax rules in another jurisdiction can differ.
Primary source
Our answer is based on guidance published by HMRC source-of-funds guidance.
This article explains the published general rule or provider example. It does not establish personal eligibility, a guaranteed allocation or an individual tax outcome.
More popular finance comparisons
Best trading platform · Best upcoming IPOs · Find a financial advisory service