Obtain a reliable explanation of the intermediary’s role and authority, consistent with the actual investment documents, together with the relevant transfer and receipt evidence.
Assess the documented role without guessing
An intermediary is not automatically improper or automatically acceptable. Explain how the funds reach or are held under the qualifying arrangement and retain the records needed to trace that path.
The land registry provides the history of every registered transfer for the parcel, which is the backbone of the trace. A fee summary should not contradict the governing arrangement without explanation. A lump sum arriving in an account proves receipt but not origin. Keep employment and transaction records in one indexed set, with a short schedule that ties each position to a pay period and each payment to a bank record. A current balance does not necessarily explain the lawful source of the original funds. The governing agreement may establish qualifying policy rights, while a truthful explanation can address how and when those rights were exercised. Missing years are common and should be addressed with alternative evidence and an explanation, not silence.
The file should connect lawful accumulation with the actual path of the invested funds rather than treat either document as the whole explanation.