Lending Money Tips

Documenting money already lent starts with genuine evidence, a shared balance and the actual signing date. Follow a practical checklist before you sign.

Protect your mate and your money: what a written loan agreement should cover when lending money to friends in Australia, plus repayment terms. See how.

Protect both your money and your relationships when arranging a family loan during recession — from written terms to Centrelink gifting traps. See how.

Spot the BNPL fraud home loan traps that sink clean applications — unknown accounts, hidden arrears and enquiry clusters on your credit file. See what to check.

Know how a gift or loan deposit affects your borrowing power, what lenders accept as proof, and why a false gift letter is fraud. See what you need to know.

Find out what a gifted deposit letter must say, why lenders treat gifts and loans differently, and how a false declaration becomes fraud. See what’s needed.