Hello, I live in a shared ownership house and wish to purchase the rest of the 60% remaining. As a self-employed person my accounts are not allowing me to get a mortgage. My sister has the money sitting doing nothing in an account (due to selling property) and would like to lend me the money until we sell our deceased parents house, where I will be able to pay her straight back (this won't happen for 2 years due to agreement with current tenants) Current solicitor forms are asking whether this is a gift or a loan. What are the implications of either a gift or a loan in terms of tax that I might not have considered? I will also be paying my sister a small amount of interest each month. Thank you for your advice.