The Growth Series

Podcast #99 - Intergenerational Lending



In episode 99 of the Growth Series podcast, Stephanie Charman, Strategic Relationships Director at Sesame Bankhall Group, speaks to Richard Danna, Co-Founder of Tembomoney about intergenerational lending.

Firstly, Stephanie asks exactly what an intergenerational mortgage is and how it differs from traditional mortgages. Richard describes it as a group term for getting a mortgage with some additional support, such as a family member, rather than a person getting a standard mortgage on their own or with a partner.

Stephanie then asks how intergenerational lending contributes to the overall stability of the UK mortgage market, at a time when the number of first-time buyers entering the market is falling. Richard describes first-time buyers as the lifeblood of the market, and says it is “depressing” that so many are relying on family support to buy their first property. However, he said that since this is the reality of the market today, the industry must look at solutions.

The pair then discuss the tax considerations that borrowers need to be aware of when using intergenerational lending solutions, and Richard describes this approach as “really tax-efficient”, particularly when it comes to stamp duty and capital gains tax.

Stephanie also asks what specific benefits intergenerational lending solutions offer to lenders, and Richard notes it can help long-standing customers bring their children on board and pass down trusted relationships.

The Growth Series is a dedicated and FREE resource for mortgage brokers, containing blogs, guides and podcasts, to help you scale and grow your business. For more hints and tips on how to grow your business, you can sign up to the Growth Series here.

00:44 to 29:28

  • Introduction to guest
  • How intergenerational mortgages differ from traditional mortgages 
  • How intergenerational lending contributes to the overall stability of the UK mortgage market
  • How to increase awareness of intergenerational lending solutions? 
  • How a JBSP arrangement works
  • Challenges and risks that intergenerational lending can pose
  • Eligibility criteria
  • Tax considerations 
  • Benefits of intergenerational lending solutions for lenders
  • The role of estate planning
  • Success stories
  • Advice for listeners

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