Hey guys sorry for slow response!! @XinjaPat @DylanJ. We love the idea of supporting friend/ family loans - as Credi implies, money can be the most dangerous and divisive thing in a relationship. And as @DylanJ says - how do we make the ‘bank of mum and dad’ work properly so everyone benefits and everyone’s protected? We’re actually looking at this in our home loan design; boomers lending to their children is a great concept as it takes on the housing affordability issue head on, and makes use of existing equity etc. However, you need to protect the parents’ property, you need to make sure that there is formality to keep a potentially late-paying child on track, and you also might need to protect everyone from partners who make off with the capital after a split etc. Making peer to peer work makes sense, and that means these kind of structures to protect people from each other and from falling out.