29% of new homebuyers now receive financial help from parents. But without structure, that help can trigger tax complications, loan rejection, or future disputes. Enter: strategic, intergenerational finance.
- Family guarantees can unlock full lending without LMI
- Parental gifts should be formally documented for compliance
- Income-splitting and joint-borrower strategies are gaining traction
As family support becomes more common, lenders are tightening requirements. Banks now require documented gifting, proof of repayment ability, and clear loan serviceability—even with guarantees.
At Infinite Finance, we build structured lending bridges between parents and buyers—ensuring both generations are protected, tax-aware, and properly positioned for long-term success.
