Financial Guides

Protect your money when lending to relatives: how a secured family loan works, legal charges, mortgage lender disclosure and inheritance tax. Find out how.

Cut a generation of interest with a family mortgage loan — how to secure it properly, what lenders accept, and where gift letters go wrong. See what to know.

Protect yourself when money keeps moving after a split: documenting loans after separation properly is what courts, lenders and HMRC accept. See how.

By The Chipkie Team, Personal Finance Editorial Team  ·  Last updated 14 August 2026 Handing money to an adult child or a sibling is rarely

By The Chipkie Team, Personal Finance Editorial Team  ·  Last updated 9 August 2026 Ask a chatbot how to buy your first home and it

Protect your money and relationships with a proper family loan agreement. Our 2026 UK guide covers key terms, tax rules and free templates. Get started.

Discover the top family loan app options for 2026 and bring structure, transparency, and legal protection to lending between relatives. Find out more.

The Bottom Line: The 60% tax trap is a fiscal anomaly occurring between £100,000 and £125,140, where the withdrawal of the Personal Allowance creates a