{"id":9320,"date":"2023-09-06T08:38:58","date_gmt":"2023-09-06T08:38:58","guid":{"rendered":"https:\/\/www.mouthymoney.co.uk\/?p=9320"},"modified":"2025-03-03T09:08:37","modified_gmt":"2025-03-03T09:08:37","slug":"must-know-money-bank-of-mum-and-dad-helps-half-of-all-home-purchases","status":"publish","type":"post","link":"https:\/\/www.mouthymoney.co.uk\/mortgages\/must-know-money-bank-of-mum-and-dad-helps-half-of-all-home-purchases\/","title":{"rendered":"Must-know money: Bank of Mum and Dad helps half of all home purchases\u00a0"},"content":{"rendered":"\n

From the Bank of Mum and Dad (BOMAD) contributing to half of all home purchases, to a fine for insurer Direct Line and why fuel prices are rising again \u2013 here are the personal finance stories that caught the eye of Mouthy Money this week. <\/h3>\n\n\n\n
\n
\"family<\/figure>\n<\/figure>\n\n\n\n

Bank of Mum and Dad contribute to half of house purchases<\/strong> <\/p>\n\n\n\n

The so-called Bank of Mum and Dad (BOMAD) has contributed toward half (47%) of all home purchases in the UK this year according to data from Legal & General.  <\/p>\n\n\n\n

BOMAD is expected to fund around 320,000 property purchases in 2023, with around \u00a38.1 billion of support for buyers according to the financial services firm. <\/p>\n\n\n\n

On average families will give around \u00a326,000 to loved ones looking to buy a home. Contributions are likely to soar further to around \u00a310 billion by 2025 as increasing mortgage cost pressures make it harder for people to get on the ladder.  <\/p>\n\n\n\n

Bernie Hickman, chief executive of Legal & General Retail says an overreliance on family gifting in the property market could have severe consequences for inequality in the UK. He also says families who give money away could open themselves up to financial issues if they don\u2019t seek advice beforehand. <\/p>\n\n\n\n

 \u201cFamily wealth is increasingly becoming a prerequisite for homeownership, effectively locking some groups out of the housing market for years while they save for deposits, or even altogether,\u201d he says. <\/p>\n\n\n\n

\u201cAn increasing reliance on family members isn\u2019t only an issue for those seeking to buy \u2013 it is important to acknowledge the financial strain it can place on the giver, particularly if they are undertaking this commitment without financial advice.  <\/p>\n\n\n\n

\u201cA housing system which relies too heavily on gifted deposits not only perpetuates inequality today, but could create risks for the older generations of the future.\u201d   <\/p>\n\n\n\n

Direct Line on the hook for refunds after overcharging customers<\/strong>\u00a0<\/h3>\n\n\n\n

Insurer Direct Line has been forced to return large sums to customers after the financial watchdog the Financial Conduct Authority found it had overcharged on home and car insurance policy renewals.\u00a0\u00a0\u00a0<\/p>\n\n\n\n

The firm has agreed to review past business to identify all instances where customers were overcharged and compensate accordingly.  <\/p>\n\n\n\n

The FCA introduced new rules in 2022 to prevent home and car insurance customers from having their policy renewal costs hiked when compared to what a new customer would pay. <\/p>\n\n\n\n

Mouthy Money reached out to Direct Line to ask how many customers may be affected, and how much compensation they could expect. <\/p>\n\n\n\n

A spokesperson told us that customers affected need not get in touch and that the company would be contacting them to arrange refunds. <\/p>\n\n\n\n

The Direct Line spokesperson commented: “At this stage we cannot give you a steer on how many customers are affected.\u00a0 <\/p>\n\n\n\n

“We will know this once the work has been completed, and all affected customers will be contacted and refunded.\u00a0 There is no need for any customers to contact us at this stage, we will work though it as quickly as possible.”<\/p>\n\n\n\n

Fuel prices surge again<\/strong> <\/h3>\n\n\n\n

Fuel prices have surged in August leading to fears that inflation could tick back up, according to motoring body the RAC.  <\/p>\n\n\n\n

Prices of petrol spiked 7p per litre on average in August while diesel rose 8p \u2013 the fifth and sixth biggest rises respectively in 23 years. <\/p>\n\n\n\n

On average petrol is now 152.25p per litre, adding \u00a34 to the average full tank cost, while diesel costs 154.37p, adding \u00a34.50.  <\/p>\n\n\n\n

RAC fuel spokesman Simon Williams explained: \u201cWholesale costs for both petrol and diesel started to rise in late July on the back of oil hitting $85. While the barrel price has stayed at that level throughout August, retailers had no choice but to pass on their increased costs at the pumps.  <\/p>\n\n\n\n

\u201cFortunately for drivers though, they have clearly been influenced by the Competition and Markets Authority\u2019s investigation as, all of a sudden, margins are once again closer to their longer-term averages.  <\/p>\n\n\n\n

\u201cIt appears they used the wholesale price rise to subtly cover their tracks \u2013 after all, big reductions at the pumps soon after the CMA\u2019s findings were announced would perhaps have been far too obvious a step.\u201d <\/p>\n\n\n\n

Fears have been raised that the renewed price increases for fuel could feed back into higher inflation. Chancellor Jeremy Hunt, speaking to the BBC at the weekend, conceded there might be a \u201cblip\u201d in the September inflation figures as a result.  <\/p>\n\n\n\n

Photo Credits: Pexels<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

From the Bank of Mum and Dad (BOMAD) contributing to half of all home purchases, to a fine for insurer Direct Line and why fuel prices are rising again \u2013 here are the personal finance stories that caught the eye of Mouthy Money this week.  Bank of Mum and Dad contribute to half of house…<\/p>\n","protected":false},"author":66,"featured_media":9322,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[3],"tags":[52,20,65,64,142],"class_list":["post-9320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-family","tag-home","tag-money","tag-savings","tag-spending"],"yoast_head":"\nMust-know money: Bank of Mum and Dad helps half of all home purchases\u00a0 - Mouthy Money<\/title>\n<meta name=\"description\" content=\"Bank of Mum and Dad (BOMAD) contributing to half of all home purchases, to a fine for insurer Direct Line and why fuel prices are rising again\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mouthymoney.co.uk\/mortgages\/must-know-money-bank-of-mum-and-dad-helps-half-of-all-home-purchases\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Must-know money: Bank of Mum and Dad helps half of all home purchases\u00a0 - 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