LendRight UK / Lending guides
Guides

Guides for generous lenders

Short, honest reading on family money in England & Wales. More guides are on the way — this library is growing.

Start here — the essentials
The family loan agreement
What it is, what it must say, and why it protects the relationship Gift or loan? decision tool
The 2-minute check that saves an argument later Do I need a solicitor?
When DIY is fine and when it isn’t Loan interest calculator
Schedules and totals, in pounds and plain English
No guides match that yet — more are on the way.
Writing the agreement
Signing your agreement

Does a family loan agreement need a witness or notary?

Does a family loan agreement need a witness or notary? A guide for England and Wales to simple contracts, deeds, electronic signatures and when to get advice.

 Bank of Mum & Dad

Bank of Mum and Dad: gift, loan or mortgage help

The decision that shapes all the paperwork: what the conveyancer asks, the couple question, and keeping it fair across the family.

 Before you lend

Lending Money to Family: The Five Conversations

Most family loans go wrong before the money moves. The five conversations that make the loan itself the easy part.

Clause by clause

Loan Agreement Between Family Members in the UK: What to Include + Example

Every clause annotated for England & Wales, with a worked £30,000 deposit loan and two High Court cases that show how these disputes are decided.

 Guide

How to write a family loan agreement (England & Wales)

The eight things your agreement must say, the tax rules that surprise people, and the mistakes that make judges sigh.
By place
London

Family loan agreements in London

Deposit loans, telling the mortgage lender, and where a London money claim actually gets filed.

 South East

Family loans in the South East

Kent to Oxfordshire: the commuter-belt deposit loan, done properly under one jurisdiction.

 Coverage

Everywhere LendRight UK covers

Why England & Wales is one jurisdiction — and where Scotland and Northern Ireland stand.
Interest & tax
Setting a rate

What Interest Should You Charge on a Family Loan?

Zero is the default and it’s fine. The three rates families actually pick, the fairness backstop, and the tax line most people miss.

 Under the hood

What LendRight Actually Checks (That Templates and AI Miss)

Templates are frozen; AI has no canonical copy or working maths. The specific England & Wales checks behind the £24.99 — and what breaks without them.

 HMRC, plainly

Family Loans and Tax: What HMRC Actually Cares About

No, there’s no gift tax. Yes, interest is income. The accurate short map, including the inheritance-tax angle.

 Inheritance tax

Family Loans and Inheritance Tax: Loan, Gift or Write-Off?

An unpaid loan stays in your estate, and forgiving it in your will saves nothing. How the seven-year rule, the £3,000 exemption and deeds of release really work.
After signing
For lenders

You’ve Signed — What Now? A Lender’s Field Guide

The monthly rhythm (mostly: nothing), record-keeping, the HMRC minute, and what to do if a payment slips.

 For borrowers

You’ve Signed — What Now? A Borrower’s Timeline

One job today, one habit for week one, a quarterly glance — and the early honest message if money gets tight.
When repayment stalls
The escalation ladder

When a Family Loan Isn’t Being Repaid

There’s a right order to this, and it starts much softer than court. From gentle nudge to Money Claim Online, one rung at a time.
Wills & estates
When a lender dies

What Happens to a Family Loan When the Lender Dies?

It becomes an asset of the estate: the executor’s duty to collect, the IHT surprise inside will-forgiveness, and the deed a proper write-off needs.

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Put it in writing — kindly.

Draft free in about 4 minutes. Pay the one-time £24.99 only when you send it for signing.

Create my loan agreement