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When does "gift" money stop being a gift?

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  • When does "gift" money stop being a gift?

    My father very kindly gave us money as early inheritance, not for any specific purpose. This was over a year ago and we have slowly transferred the money into our help to buy ISA's. Now it seems that this is causing problems with our mortgage company, as our mortgage broker has said this does not count as a gift mortgage and but the solicitor advised that this is gifted money. To add another layer of complications, My Dad uses our address as a postal address for the UK, but he often stays with my family in South Africa, however the solicitor seems very upset that my Dad is at our address and is "living" with us.

    So my question is, how long does the money have to be in our accounts before it is just our money. And why would my Dad using our address cause a problem with the solicitor?