{"id":10376,"date":"2026-08-14T15:12:10","date_gmt":"2026-08-14T15:12:10","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=10376"},"modified":"2026-08-14T15:14:17","modified_gmt":"2026-08-14T15:14:17","slug":"la-banque-de-papa-et-maman-quand-les-contributions-familiales-donnent-lieu-a-un-litige-immobilier","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/la-banque-de-papa-et-maman-quand-les-contributions-familiales-donnent-lieu-a-un-litige-immobilier\/","title":{"rendered":"La \u00ab banque des parents \u00bb : quand les contributions familiales donnent lieu \u00e0 des litiges successoraux\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Peu d'institutions ont eu autant d'impact sur le march\u00e9 immobilier britannique au cours de la derni\u00e8re d\u00e9cennie que ce qu'on appelle la \u201c Banque de maman et papa \u201d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 la hausse des prix de l'immobilier, \u00e0 l'augmentation des exigences en mati\u00e8re d'apport personnel et aux difficult\u00e9s d'acc\u00e8s au logement, de nombreux primo-acc\u00e9dants comptent sur l'aide financi\u00e8re de leurs parents et de leur famille \u00e9largie pour acc\u00e9der \u00e0 la propri\u00e9t\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans d'innombrables transactions, des fonds sont transf\u00e9r\u00e9s avec les meilleures intentions du monde. Les parents souhaitent aider leurs enfants \u00e0 acqu\u00e9rir un logement. Les enfants sont reconnaissants de ce soutien. Les liens familiaux sont solides et personne n'envisage de conflit futur.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Malheureusement, les litiges immobiliers commencent souvent l\u00e0 o\u00f9 l'optimisme s'arr\u00eate.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque des relations se brisent, que des biens immobiliers sont vendus ou que la dynamique familiale \u00e9volue, des questions surgissent auxquelles personne n'avait pens\u00e9 au d\u00e9part :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cet argent \u00e9tait-il un cadeau ?\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9tait-ce un pr\u00eat ?\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L'objectif \u00e9tait-il de cr\u00e9er une participation au capital ?\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faut-il le rembourser ?\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Et si c'est le cas, \u00e0 qui ?\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces litiges sont de plus en plus fr\u00e9quents et font souvent l'objet de recours en vertu de la loi de 1996 sur les fiducies fonci\u00e8res et la nomination des fiduciaires (\u201c TOLATA \u201d). Cette l\u00e9gislation pr\u00e9voit un m\u00e9canisme de r\u00e9solution des litiges relatifs aux droits immobiliers, mais elle ne peut pas reconstituer des \u00e9changes qui n'ont jamais \u00e9t\u00e9 correctement consign\u00e9s par \u00e9crit.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cons\u00e9quence, ce qui commence par une simple contribution familiale peut finir par se transformer en un litige complexe et co\u00fbteux, n\u00e9cessitant l'intervention d'un avocat.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Le probl\u00e8me commence par de bonnes intentions<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des litiges successoraux ne naissent pas parce que quelqu\u2019un aurait eu l\u2019intention de cr\u00e9er une incertitude juridique.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces probl\u00e8mes surviennent parce que les familles privil\u00e9gient souvent la confiance au d\u00e9triment des documents.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les parents peuvent verser 100 000 \u00a3 \u00e0 titre d'apport sans avoir \u00e0 demander d'accord \u00e9crit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les enfants adultes peuvent penser qu'ils n'auront jamais \u00e0 rembourser.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les partenaires qui ach\u00e8tent un bien immobilier ensemble peuvent tout simplement se r\u00e9jouir que la transaction puisse aboutir.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 ce moment-l\u00e0, une documentation officielle peut sembler superflue.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des ann\u00e9es plus tard, cette absence de documents devient souvent le c\u0153ur du probl\u00e8me.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le tribunal est alors tenu de d\u00e9terminer r\u00e9trospectivement la nature de cette contribution, souvent alors que les relations se sont d\u00e9t\u00e9rior\u00e9es et que les souvenirs ne sont plus fiables.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Don, pr\u00eat ou droit de jouissance ?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Du point de vue du contentieux, les apports familiaux se r\u00e9partissent g\u00e9n\u00e9ralement en trois cat\u00e9gories.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cadeaux<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le cas le plus simple est celui o\u00f9 les fonds \u00e9taient destin\u00e9s \u00e0 constituer un don pur et simple.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En principe, la situation devrait \u00eatre claire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le contributeur apporte les fonds sans conserver aucun droit sur le bien immobilier.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La difficult\u00e9 se pose lorsque le don pr\u00e9sum\u00e9 n'a jamais \u00e9t\u00e9 consign\u00e9 par \u00e9crit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les parents qui, au d\u00e9part, qualifient une contribution de \u00ab don \u00bb peuvent par la suite faire valoir qu\u2019ils s\u2019attendaient \u00e0 ce qu\u2019elle leur soit rembours\u00e9e. De m\u00eame, les b\u00e9n\u00e9ficiaires peuvent consid\u00e9rer qu\u2019une contribution \u00e9tait un don, m\u00eame si les discussions laissaient entendre le contraire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En l'absence de preuves formelles, des litiges peuvent survenir plusieurs ann\u00e9es plus tard.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pr\u00eats<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dans d'autres cas, les membres de la famille souhaitent que cette contribution leur soit rembours\u00e9e.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Encore une fois, le probl\u00e8me r\u00e9side rarement dans l'arrangement lui-m\u00eame.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le probl\u00e8me r\u00e9side dans l'absence de documentation.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les pr\u00eateurs commerciaux consignent m\u00e9ticuleusement les obligations de remboursement. Les familles se fient souvent \u00e0 des promesses verbales.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des questions se posent alors concernant :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dates de remboursement ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Int\u00e9r\u00eat ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u00e9curit\u00e9 ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9v\u00e9nements d\u00e9clencheurs ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Droits d'ex\u00e9cution.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ce manque de clart\u00e9 est propice aux d\u00e9saccords.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Droits de jouissance<\/strong>&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les litiges les plus complexes surviennent souvent lorsqu'un contributeur fait valoir que les fonds \u00e9taient destin\u00e9s \u00e0 cr\u00e9er une participation au capital.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, les parents peuvent apporter une part importante du prix d'achat tout en s'attendant \u00e0 conserver une part de la valeur du bien immobilier.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le bien immobilier peut n\u00e9anmoins \u00eatre enregistr\u00e9 uniquement au nom de leur enfant et de leur partenaire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque le bien immobilier est vendu par la suite ou que la relation prend fin, des revendications contradictoires apparaissent quant \u00e0 la propri\u00e9t\u00e9 et aux droits qui y sont attach\u00e9s.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces litiges n\u00e9cessitent souvent une analyse approfondie des intentions, des contributions et des comportements.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Rupture amoureuse : la temp\u00eate parfaite<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreuses demandes d'indemnisation au titre de la loi TOLATA surviennent \u00e0 la suite de la rupture de relations personnelles.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un cas de figure courant est celui o\u00f9 les parents participent financi\u00e8rement \u00e0 l'achat d'un bien immobilier occup\u00e9 par leur enfant et le partenaire de celui-ci.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tant que la relation reste intacte, personne ne remet en cause cet arrangement.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, une fois la relation termin\u00e9e, cette contribution financi\u00e8re fait souvent l'objet d'un examen plus approfondi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les parents peuvent demander le remboursement.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'ancien associ\u00e9 peut contester sa responsabilit\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'enfant risque de se retrouver pris au milieu d'un conflit familial.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qui a commenc\u00e9 par une aide financi\u00e8re peut rapidement se transformer en un litige impliquant plusieurs parties, caract\u00e9ris\u00e9 par des int\u00e9r\u00eats qui se chevauchent et des versions des faits contradictoires.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi les preuves sont-elles importantes ?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Comme dans de nombreux litiges immobiliers, c'est sur la base des preuves que ces affaires se gagnent ou se perdent.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les tribunaux prendront en consid\u00e9ration :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Relev\u00e9s de virements bancaires ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>E-mails et SMS ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Correspondance avec les notaires ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Documents relatifs au cr\u00e9dit immobilier ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00e9moignages ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le comportement des parties.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La difficult\u00e9 r\u00e9side dans le fait que les arrangements familiaux sont souvent informels.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il se peut que des discussions importantes aient eu lieu des ann\u00e9es auparavant autour d'une table de cuisine plut\u00f4t que dans le cabinet d'un avocat.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les juges sont donc souvent amen\u00e9s \u00e0 reconstituer les intentions \u00e0 partir d'\u00e9l\u00e9ments de preuve incomplets.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C'est rarement simple.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Le co\u00fbt de l'incertitude<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L'un des aspects les plus frustrants des litiges successoraux est que la valeur de l'objet du litige peut \u00eatre consid\u00e9rablement r\u00e9duite par les frais de justice.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les camps se radicalisent.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les positions se durcissent.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9motions influencent la prise de d\u00e9cision.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le m\u00eame temps, les frais de justice ne cessent d'augmenter.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce ph\u00e9nom\u00e8ne ne se limite pas aux demandes TOLATA. Les tribunaux comme les praticiens reconnaissent depuis longtemps que les litiges immobiliers nationaux peuvent entra\u00eener des co\u00fbts disproportionn\u00e9s si les parties ne parviennent pas \u00e0 s'engager de mani\u00e8re constructive d\u00e8s le d\u00e9but de la proc\u00e9dure.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C'est pourquoi il est souvent tr\u00e8s utile de b\u00e9n\u00e9ficier de conseils strat\u00e9giques d\u00e8s le d\u00e9but.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une \u00e9valuation r\u00e9aliste des points forts, des points faibles et des difficult\u00e9s li\u00e9es \u00e0 l'administration de la preuve peut souvent aider les parties \u00e0 r\u00e9soudre leurs litiges avant que la question des frais ne devienne le sujet principal.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>L'importance d'une documentation pr\u00e9coce<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La solution la plus efficace reste la pr\u00e9vention.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque des membres de la famille apportent des sommes importantes pour l'achat d'un bien immobilier, il convient de clarifier clairement cette situation d\u00e8s le d\u00e9part.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La documentation n'a pas besoin d'\u00eatre compliqu\u00e9e.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qui compte, c'est la clart\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les parties devraient examiner les points suivants :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que l'apport prenne la forme d'un don ou d'un pr\u00eat ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si un remboursement est pr\u00e9vu ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si une participation au capital est envisag\u00e9e ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que se passerait-il si le bien immobilier \u00e9tait vendu ? ;\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Que devrait-il se passer en cas de rupture ?.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le fait de r\u00e9gler ces probl\u00e8mes avant l'ach\u00e8vement du projet peut permettre de gagner un temps consid\u00e9rable, de r\u00e9duire les d\u00e9penses et d'\u00e9viter des incertitudes \u00e0 l'avenir.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un domaine de contentieux en pleine expansion<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Alors que les contraintes financi\u00e8res persistent et que les achats financ\u00e9s par la famille se g\u00e9n\u00e9ralisent, les litiges li\u00e9s aux contributions de tiers risquent de se multiplier.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les avocats sp\u00e9cialis\u00e9s dans les litiges immobiliers, ces demandes posent des d\u00e9fis particuliers.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contrairement aux litiges commerciaux classiques, ces affaires impliquent souvent des enjeux juridiques, financiers et \u00e9motionnels qui se recoupent.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les questions juridiques peuvent \u00eatre complexes, mais le litige sous-jacent rev\u00eat g\u00e9n\u00e9ralement un caract\u00e8re tr\u00e8s humain.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'une des parties estime avoir \u00e9t\u00e9 trait\u00e9e de mani\u00e8re injuste.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un autre estime qu'il d\u00e9fend ce qui lui revient de droit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il revient au tribunal de d\u00e9terminer quelle \u00e9tait l'intention, souvent plusieurs ann\u00e9es apr\u00e8s que les faits en question se sont produits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La \u00ab banque des parents \u00bb est devenue l'une des principales sources de financement immobilier dans la Grande-Bretagne d'aujourd'hui.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour de nombreuses familles, cette aide leur permet d\u2019acc\u00e9der \u00e0 la propri\u00e9t\u00e9, ce qui leur serait autrement impossible.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, une aide financi\u00e8re non accompagn\u00e9e de pi\u00e8ces justificatives claires comporte des risques.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La question n'est pas de savoir si les membres d'une m\u00eame famille doivent s'entraider. Bien au contraire.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La question est de savoir si les cons\u00e9quences juridiques de cette aide ont \u00e9t\u00e9 d\u00fbment prises en compte.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Du point de vue du contentieux, les mots les plus co\u00fbteux en droit immobilier sont souvent :&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201c On n\u2019aurait jamais pens\u00e9 qu\u2019on aurait besoin de le mettre par \u00e9crit. \u201d<\/em>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qu'un apport soit consid\u00e9r\u00e9 comme un don, un pr\u00eat ou un investissement, il est presque toujours moins co\u00fbteux de clarifier les choses d\u00e8s le d\u00e9part que de devoir faire face \u00e0 un litige par la suite.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 une \u00e9poque o\u00f9 les accords informels sont de plus en plus souvent \u00e0 la base de transactions immobili\u00e8res importantes, consigner par \u00e9crit ses intentions n'est plus seulement une pratique de bon sens. C'est souvent ce qui fait la diff\u00e9rence entre la certitude et une action en justice contest\u00e9e devant le tribunal TOLATA des ann\u00e9es plus tard.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Saba Ahmed, collaboratrice au sein du cabinet Ronald Fletcher Baker LLP, conseille ses clients sur un large \u00e9ventail de litiges immobiliers, notamment les litiges relatifs \u00e0 la propri\u00e9t\u00e9 et les demandes d'indemnisation au titre de la loi TOLATA. Si vous avez besoin de conseils sur l'un de ces sujets, veuillez contacter Saba Ahmed par e-mail \u00e0 l'adresse saba.ahmed@rfblegal.co.uk ou par t\u00e9l\u00e9phone au 020 3961 3118.<\/em>&nbsp;<\/p>","protected":false},"author":12,"featured_media":10377,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[62],"tags":[81],"class_list":["post-10376","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Few institutions have had a greater impact on the UK property market over the past decade than the so-called \u201cBank of Mum and Dad\u201d. 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