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This is a decent guide
https://www.samconveyancing.co.uk/news/conveyancing/how-to-prove-source-of-funds-1614
For the lump sum you'd need an explanation of where it came from, either an illustration of small amounts constantly coming in to show savings or the detail of the gift (and how that was funded) or whatever, even if it has been sat in your account for a while.
Conveyancing solicitor is normally the one (although other solicitors and accountants will be aware of the rules). Banks may not be aware of the detail (at least the person you deal with).
aggi
ExTra
How far back do people have to provide their bank statements? I do have a lump sum in my bank account that I could prove about 80% of it and the rest is well, savings over the years?
Point is, that lump sum hasn't really changed for about 3.5 years now, so would that be enough to bypass having to go through boxes of old paperwork? Other than bank statements showing the same amount every single month for the last few years?
I do have all the docs to prove where most of the money has come from, but that is if I remember where I have stored them...
But that only accounts for a larger than usual deposit, if I were to buy with 100% cash, the rest of the capital would come from a major decision I would have to make and if that decision were in favor of putting down root in London, 100% of that money could be proven as totally legal...
Who would I speak to about this as a hypothetical situation? My bank?