How One Family Helped Their Kids Buy Without Putting Family Assets at Risk
Smart structure. Secure future.
When long-term clients approached us wanting to help their adult child and partner buy a home, they’d already achieved what many families aspire to, financial stability and the ability to give generously.
Their children’s borrowing capacity was tight, so the only way to help them buy in their preferred area with manageable mortgage repayments was a substantial lump sum contribution.
Their plan was to contribute around $400,000–$500,000 to help the young couple buy closer to home, but they wanted to do it responsibly. With their accountant and estate planning specialist raising concerns about asset protection, particularly as the relationship was still new, they were concerned about how they could both help and protect family assets.
The Challenge
- A substantial $400K–$500K contribution toward a home purchase
- Concerns around asset protection raised by accountants and estate planners
- Risk of losing funds if the couple separated
Our Strategy
We worked with the family and lender to structure the contribution as a loan, not a gift.
- Structured terms of the loan to align with lender requirements (by negotiation) and ensured no impact on borrowing capacity
- Parents retained flexibility – they could reloan, regift, or call for repayment if circumstances changed
Support Without Sacrifice
This approach gave the family the best of both worlds: the ability to help their children buy a home nearby while protecting the wealth they’d built over a lifetime.
It also kept their options open. Should the property be sold or upgraded in future, the funds could be reloaned or reinvested, maintaining both generosity and control.
“They were able to leverage the wealth they’d built as a family to help their kids while ensuring long-term protection of their assets.” – Tanya Du Preez, Affinitas Finance
Watch Tanya break it down in the video below.
What Next
Thinking of buying soon?
Whether you’re weeks or months away from your purchase, the right loan structure can save you more than just stress – it can save you thousands. If you (or someone you know) is preparing to buy, let’s sit down and make a plan.
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