18/05/2026
🏡💚 Bank of Mum & Dad — still Ireland’s busiest lender! 💚🏡
So regular now , that we get asked to include this in our review conversation .
Interest rate? 0%
Repayments? “Ah sure whenever suits…” 😄
If you’re helping a child…. a few smart rules:
✅ Each parent can gift €3,000 per year tax-free
✅ Parent-to-child lifetime threshold is €400,000 before CAT applies
✅ Mortgage lenders need it confirmed as a GIFT, not a loan
✅ Have the sibling conversation before the money moves 😅
Helping your children is a lovely thing to do … just make sure it protects everyone involved too!