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onyerbike
It needs to be a gift, and not a 'gift'.
If the conveyancing is done correctly, there will be all sorts of declarations to that end - In particular, that it is not repayable.
It will count against your IHT threshold limit, if you are unlucky enough to cark it within 7 years - Even of the person pays back the 'gift'.
The mortgage lender will need to know the source of funds of the gift also, for anti-money laundering checks.
Both of the above, because it is otherwise a great wheeze for getting dirty money into circulation, or for avoiding various taxes.