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Parents gifting deposit and living in property
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(in the same way that a gift doesn't become a loan just because you might be making gifts in the opposite direction at some point in the future)
The lender is only seeking protection for it's own interests. Fully aware that people often will say one thing and have the intent of doing another.0 -
If your parents move in with you, you will need to consider the Inheritance Tax situation because they will be benefiting from a gift.0
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