Right, thanks in advance for any helpful replies, hope it might help others too,
I'm very stressed and don't know who to ask or trust.
I'm in a pickle.
I made some money from Crypto in 2018 around 50k sold the coins for bank transfer directly into my personal bank account. been worried about not declaring it ever since as I'm self employed (low income less than 20k), I did make some of the money through a bitcoin gambling site (no evidence of this) some from trading. I tell myself it was gambling so no need to pay CGT/ income tax it's all ok... but to be honest I should have a paid some CGT and have no evidence of the gambling, trading or anything I did to make the money other than a few transfers out of my account of a thousand pounds or so to Bitcoin trading sites initially, then the selling of 50k worth of bitcoin for a series of separate bank transfers to individuals.
So with my 50k I wanted to buy a property, I found a place I liked transferred the money 50k to my long term Girlfriend and she bought it in 2019. I've since renovated it, I spent another 50k around 30k was my girlfriends money from remortgaging her place and 20k or so was money I spent from my wages/ savings mostly cash. We moved in around 2020 and rented her place out.
I've just sold it for 265k gave the tenants their notice and we've moved back to hers (accepted an offer in the process of selling whilst moved back to hers currently), she will be getting around 145k after solicitor/ estate agent fees. The 30k from her remortgage we count as my money as that's what I spent on her place doing it up all cash no record of it over a few years so the 145k coming to her is mine, this is all my money what the hell do I do? She can't just transfer it to me I'll surely trigger a tax investigation, would it be a gift?
I know I've done it all wrong and was stupid before you tell me... I work hard, I'm not very intelligent, I just knew at the time I could make money from buying this place and it was a safe and sensible investment but I was not able to get a mortgage, she was at the time and we trust each other.
Any suggestions on how I can legally have my money to do what I like with without incurring huge tax implications.
I'm almost certainly going to be using some of the money to buy another place, I know I could go through her name again but it's stressful for both of us and I'm in a position where I could get a mortgage now better credit rating, older, less debt etcetera
ps. I will actively reply and update the situation if I act on any of the suggestions or advice not just post this and disappear.