Thank you for your question
My name is Clare
I shall do my best to help you but I need some further information first
What would you like to know
How much is the house worth and how much is outstanding on your mortgage?
How much is she paying you?
So the equity is worth over £200,000 and she is offering you £158,000
Are you close enough to wish to gift her £40,000?
Are you willing to pull out if you do not see the mortgage offer
In the circumstances it is reasonable for you to ask that a copy of the mortgage offer is sent to her solicitor so that he or she can confirm how much she is borrowing.
Of course that will not mean that she could not borrow more - but it may make you feel better about the issue.
Please ask if you need further details
She will need to agree I am afraid
You do not need to go ahead with this unless she provides the evidence - it is a great deal of money to give away