The “Bank of Mum and Dad” in Adelaide: A 2026 Guide to Gifting vs Loaning

Helping your children buy their first home in Mount Barker or Mawson Lakes is generous, but doing it incorrectly can affect your retirement. Centrelink’s strict gifting rules can trigger a five-year deprivation period that reduces Age Pension payments. This guide compares family loans vs gifts, explains divorce risks in property settlements, and outlines the Granny Flat Interest exemption used by Adelaide families.