So, Zaki, would you recommend the Bank of Mum and Dad over just a bank in general? I think it comes down to your relationship between yourself and your parents, so you know the long -term contract you're getting into.

It's great to be having help. It's better than, I guess, going on your own or trying to save for your first deposit, which is challenging these days. However, parents obviously want to look after their kids, so they come with the most positive intentions. Children, just like myself, you know. want to be looked after. And why not if our parents can look after us? I think where it goes wrong is when things go wrong and things can go wrong because it is property,

It is investing and it is money. So it comes down to money being the emotional factor. So I'm not sure if most know, is that the Bank of Monmouth and usually in scenarios is where the parents put their house up as security or go guarantor on their kid's next property, be it their own home or investment. And let's just say the son or the daughter, etc. They default on that loan because interest rates are up, and they lose their job, which can happen.

That's where things go sour is because the banks will go to the secured party, which is the bank of Mom and Dad. That's when the relationship gets a bit sensitive. So my view is, as long as this stuff has been spoken about up front and it's all been ironed out. out about all the things that can go wrong and when it does go wrong, what would we do and what's our exit plan and our solutions, then it's okay.