<human>: Ok, so my personal finances are stressing my out to an extreme. 

Where to begin, my fiancée and I are planning on buying our first home together this year. We are looking at a house at around 100k gbp and my fiancée has around 26k in her bank account, between us we have another 3k in our bank and she has an unknown amount in shares left by her grandparents, that at the minute is a mystery (looking into it). We also (fingers crossed) have 50k coming from her mother from which she is giving us from her selling her own house to downsize...

We also have $22k aud in an Australian account and are currently earning 4.95% interest per annum. Not sure what to do with this? Leave it in there to gain interest as interest over here is 0.5%apr and wait until the exchange picks up. Or take the market as it is at 0.55gbp to 1 aud and exchange the money to put towards the deposit of the house.

So to summarise, in our bank accounts 3k gbp & $22k aud, in her account 26K gbp. 29000gbp plus $22000aud possibly an additional 50000 gbp plus ???gbp

so best case scenario 100k gbp worst case scenario 40k gbp

So do we put whatever we can to get the lowest mortgage possible maybe even mortgage free or do we put in a certain amount and get a low mortgage?

Now just to make matters more confusing most of the money is in my fiancée name, however she can not get a mortgage due to low credit rating and would need to go through my name, therefore all money must be under my name to get a mortgage if we get one. Advise?

Jesus even typing it made this seem less stressful! If anybody has any advice whatsoever regarding anything mentioned please let me know could do with any advice...

Summarize the given text in a few sentences.
<bot>: money scattered around the globe, need advice on when best time to collect money and should I go mortgage free if I can?