To ask for help with financial pickle

[ShoebillStork]

In 2009 FIL had a win on the Premium Bonds. He gave us £10,000 to invest for DS (at low risk) and the money to be given to DS when he's 18.

I put the money towards a loft conversion. DS is 18 soon and I'm due to remortgage for a better rate. How much do I need to release for him so he gets the £10k plus what it might have gained in interest since 2009.

And should I encourage DS to get a Help to Buy ISA with it?

And to conclude: I've applied to re-mortgage for a better rate and to release £15,000 for DS to be presented to him by his grandad in Sept.

Have discussed with DS - including concerns raised here. He says he would happily have forfeited £50 grand to avoid sharing with "my stinky brother!" He also wisely pointed out that he will be using his loft for years to come - though not for airbnb!

He plans to take £3k to put towards a car and upto £2k for a new computer and stuff for his architecture course. He's going to invest the remaining £10k but I have told him not to look to me for advice

Thanks for all suggestions - the supportive ones and the batshit ones

@ShoebillStork

I've not seen you on The Archers thread for ages - have you jumped ship?

Still listening but taking an extended break from the thread. TBH much as I love that thread line some of the unpleasant and downright ignorant comments about mental health, especially where they were wrapped up in misogyny, were getting a bit much. I wasn't the only one to take a break for that reason, not sure if others have returned yet.

You've got a good kid.

He sounds a good lad, sensible like his mum.

stuff for his architecture course I think the money invested inspired him and BOOM , a life of buildings and design have grown from this. OP, you're a genius