Here's how to stop 'junior' raiding your nest-egg in 2045 when they can't afford a house... A certain high street bank in 2026 have been advertising mortgages where parents go on their child's loan to help them buy a house. No longer just a gifted deposit. Not a helping hand. Your name. Your income. Your financial liability. So your adult child can borrow enough to get on a ladder that has moved so far out of reach of the Gen Z that a bank has built a product around the problem. ...and called it a solution. Here's my alternative for my currently nine month old son. ...and its is not putting my name on his future mortgage. It is buying one sensible, affordable property today in a market with strong rental demand and low entry costs. Then another. Then another. Then another. Could be all 4 in 1 year. Could be over 10 years. Doesn't matter Then let time and compounding do the work. By the time he needs it, that portfolio - big or small - will have grown in value, generated years of income, and given him a genuine choice. A big deposit. A leg up. A start his peers won't have. Generational wealth. This is not about raising a child who expects everything handed to them. It is about being a parent who thought far enough ahead that the advert of certain high street bank never needed to apply to him. Don't work with a 'sourcer' who only thinks about your next property. Work with a Partner who thinks about your children's first one. Sensible Investments, Unrivalled Support™ #TheTeacherLandlord #GoldilocksZone #BuyToLet Building one of these for your family? DM me and I will show you what it looks like in practice. All investing carries risk Always seek independent financial advice.

Posted by James Lovell-Smith at 2026-04-27 06:18:00 UTC