The discussion around gift or loan was also discussed earlier this year: When is a Gift actually a Loan - Trusts Discussion - The Trusts Discussion Forum
I appreciate this is drfting away from the POAT/GWR question but, regardless of whether the lender will allow a parental loan, or requires that it has to be a gift, the important aspect is that once the nature of the parental contribution has been “certified” to the lender that is basically it.
Paul Saunders FCIB TEP
Independent Trust Consultant
Providing support and advice to fellow professionals