Free Tool — No Account Required
Build Your
Family Capital
Proposal.
Present a property loan request to your parents with the structure and confidence of a professional borrower. Five minutes. Generates a signed-ready PDF.
No account required
Takes 5 minutes
Generates a downloadable PDF
Australian law
01 //
Proposal
Property & funding
02 //
Affordability
Income & repayments
03 //
Review & Save
Summary & PDF
Step 01 // Proposal
The Parties & Property
Who's involved, what you're buying, and how the funding is structured. Your parents want the full financial picture up front.
Parties
The Property
Funding Structure
| Source of Funds | Amount | % Share |
|---|---|---|
| Personal savings | -- | -- |
| Bank / lender mortgage | -- | -- |
| Family loan (this proposal) | -- | -- |
| Other | -- | -- |
| Total Purchase Price | -- | 100% |
If there is no bank mortgage, the family loan covers the shortfall. The Xchqr Deed of Loan documents whatever amount is agreed upon.
Step 02 // Affordability
Income & Repayment
Show your parents the numbers behind the ask. This section calculates whether the proposed repayment is comfortably within your means.
Borrower Income
Affordability Calculator
LIVEMonthly Surplus
$--
Debt-to-Income
--%
Enter your monthly figures above to see your affordability assessment.
Proposed Loan Terms
If 0% interest is proposed, the Deed records this explicitly. For loans above approximately $10,000, the ATO may require a minimum benchmark rate. Your Xchqr document includes guidance on this.
Step 03 // Review & Save
Your Family Capital Proposal
Review the full proposal below. This is exactly what your parents will see. Download the PDF to bring to the conversation.
Family Capital Proposal
Prepared via xchqr.coFunding Structure
| Source | Amount | % |
|---|
Xchqr Asset Shield Protections
✓
Presumption of Advancement rebutted — the Deed provides written evidence this is a loan, not a gift, under Australian common law.
✓
XC-ID document verification — an immutable hash recorded at creation provides a tamper-evident audit trail admissible in any Australian court.
✓
Relationship breakdown protection — funds characterised as a loan liability, not a marital asset, reducing the risk of inclusion in a property settlement pool.
✓
Estate & succession clarity — written terms that can be referenced in the lender's estate, preventing sibling disputes before they begin.
Borrower
Name / Date
Lender 1
Name / Date
Lender 2
Name / Date
Ready to formalise this?
Get an Xchqr Deed of Loan to attach to this proposal. Court-enforceable, executed in under 10 minutes, from $129.99.