Buying a property for family member - purchase, tax & insurance questions

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Your father has deferred his state pension?

Does he know approximately how much he can expect in state pension?

It would seem that he would qualify for at least a full new state pension - it is probable that he will be entitled to more than this if he has worked for over forty years, paid NI and never contracted out.

He also has a private pension and some modest savings so will hardly be on the breadline?

You have enough spare capital to buy a property outright.

Could you lend this money to your father so that he could buy the property in his own name?

You would take a first charge on the property, just as a mortgage lender would, to protect your position.

You would need to agree the terms of the loan. Your solicitor would advise.

There seems no reason why your father should not pay you monthly interest (which you would declare to HMRC) or a mixture of interest and capital.