01 · Key points
What matters for this topic
Document market value and purchase price
Separate the gift and purchase elements
Check existing land charges
Involve tax and legal advisers
02 · Be prepared
Points you should not underestimate
- Financing without an agreed contract
- Forgetting settlements between siblings
- Treating tax questions as financing questions
03 · Documents
Commonly required documents
The documents actually needed depend on the lender, your plans and personal circumstances. The following are often useful for preparation:
04 · Practical example
What an assessment might look like
Part of a property’s value is sold and another part gifted. The notary, tax adviser and lender must use the same values and process.
This example is illustrative only and is not a mortgage commitment or quotation of terms.05 · Frequently asked questions
Questions about Buying property within the family
Can a below-market purchase price be financed?+
In principle, yes. The gift component, bank valuation and contractual structure must be clear.
Who handles tax and inheritance law?+
These are matters for tax and legal advisers or a notary. Financing is coordinated alongside them.
Important information
The information on this page is general. It does not replace individual mortgage, legal or tax advice and is not a binding credit commitment. Requirements and terms are assessed individually.