Facts:
Applying for an expat mortgage for a UK property
i'm a UK citizen but currently a non-resident.
Need a 25% deposit
I have saved up around GBP 45k in cash
I have access to more GBP 12k in my UAE HSBC Master Card. I plan to make a UAE credit transfer to my parents UK account which they would then gift to my UK account to supplement my cash supply.
Market has much better buy to let options using my UAE credit card balance and available cash as a deposit
Question:
Can i safely apply for the mortgage under the assumption that the banks will not have visibility of the UAE credit card debt?