Family mediation experts offer advice on choosing a relationship counsellor
As the cost of living crisis puts pressure on relationships, experts encourage people to reach out for help before relationships break down completely.
Relationships Scotland, the largest provider of relationship support in the country, is offering advice to anyone looking to embark on counselling. The leading family mediation experts say there are five key questions to ask before choosing a relationships counsellor.
Stuart Valentine, Chief Executive of Relationships Scotlandsaid: “Making the decision to seek help to deal with relationship issues is not easy, it can be a daunting process admitting you need help, let alone navigating the many different options available.
“Relationships Scotland strives to offer couples and individuals a safe space to discuss their concerns and our five step guide aims to make taking the first step as easy as possible.”
Relationships Scotland says anyone thinking about counselling should ask the following five questions:
Are they trained to work with relationships?
Before you begin counselling it is important to establish the level of your counsellor’s training and their experience. In recent years it is usual for a counsellor to do either a one-year full time or a two-year part-time course. It is also important to find out what areas of relationships the counsellor can work with. It is especially important to check that the counsellor is qualified to work with couples, if you hope to go to counselling with your partner.
Is there someone checking that they are working to the right standards?
Relationships Scotland counsellors are required to undertake a minimum number of hours of casework per year. They are also required to participate in clinical supervision with a supervisor who is experienced in couple work. This helps ensure that all of counsellors are properly trained and supported in their work.
What will they do with the information I give them?
Your counsellor will discuss confidentiality with you and where there might limits on this confidentiality, such as when someone might be at risk. This is to ensure your safety and the safety of others.
Where will I see the counsellor?
Relationships Scotland has over 200 counsellors covering the whole of mainland and island
Scotland. Face-to-face and online appointments are available and there will be a service covering your area.
Will there be a charge?
All Relationships Scotland affiliated local services that provide relationship counselling receive some funding from the Scottish Government. This does not cover all the costs, however, and so some services may ask for a donation or may make a charge, depending on income.
If you are on low income, please let the service know and they work with you to make sure you receive the support you need.
Stuart Valentineadded: “Relationships Scotland understands the importance of positive and resilient relationships and the damage which relationship breakdown can cause if not handled properly, especially for children.
“We want to make counselling as accessible and as helpful as possible for anyone needing this type of support.”
The UK’s largest housebuilder has raised £90,244 for hospice and end of life care in the East of Scotland at its recent charity ball.
Barratt Developments, which includes David Wilson Homes and Barratt Homes, welcomed more than 450 guests to the EICC in Edinburgh on Friday 8th September – with attendees enjoying an auction, comedy performance from Larry Dean and live music from Manhattan.
All proceeds from the evening went to St Columba’s Hospice Care which provides world-leading hospice care to those based in Edinburgh and the Lothians.
As this year’s main charity for the housebuilder’s East Scotland division, Barratt Developments has so far raised a total of £157,024 for St Columba’s Hospice Care through fundraising, including a Pentland Hills walk and office events.
The 2023 sum has already exceeded last year’s efforts, which totalled £109,000.
Jon Heggie, Director of Income Generation at St Columba’s Hospice Care, said:“The ball was a fantastic event, and typified the attitude we’ve seen and enjoyed from Barratt over the course of our partnership.
“They’ve really pulled out all the stops to raise as much money as they can for us, as well as spending time here helping with recent ward renovations and volunteering to paint some fences and maintain the grounds.
“The difference they’ve made to the hospice as a charity partner really is tangible and will directly benefit hundreds of patients and their families right across Edinburgh and East Lothian. On behalf of everyone at the hospice, I’d like to say a massive thank you.”
Alison Condie, Managing Director at Barratt Developments East Scotland, said:“Giving back to the communities in which we build has always been a priority across all Barratt Developments’ divisions.
“In the East of Scotland, we’ve formed a strong relationship with St Columba’s Hospice Care over the last few years and have been continuing to raise funds for the essential care its team provides.
“We’ve already surpassed last year’s fundraising total, a feat we could not have achieved without the generous donations from guests and our colleagues who have given up their time to fundraise or take part in a physical challenge.
“The money raised will help support those who need it most in Edinburgh and the surrounding areas, providing them with the very best care.”
Amanda Southey, Hospice Corporate Manager at St Columba’s Hospice Care, said:“First and foremost I’d like to thank the team at Barratt for choosing St Columba’s Hospice Care as their charity partner.
“The partnership has worked really well, and I think both parties have really enjoyed it, and gained a lot from it.
“The fundraising they have done has been absolutely inspirational, and they’ve really jumped at the chance to help in other areas at every opportunity.”
For more information on Barratt Developments in Scotland, please visit:
International Development Minister Christina McKelvie has pledged new funding from the Scottish Government to support projects providing access to clean water, food and shelter in Gaza and Libya.
Ms McKelvie has confirmed the Scottish Government will provide £500,000 towards the United Nations Relief and Works Agency’s (UNRWA) flash appeal in response to the ongoing escalation in the Gaza Strip.
The UNRWA’s appeal is urgently seeking funds to respond to the immediate food, health, shelter and protection needs of up to 250,000 people seeking safety in UNRWA shelters in Gaza and another 250,000 Palestine refugees within the community.
A further £250,000 will also be allocated through the Scottish Government’s Humanitarian Emergency Fund (HEF) to support relief efforts in Libya, following deadly flooding in September. More than 4,000 are reported to have died in the flooding and this number is expected to increase with around 10,000 people still missing.
Ms McKelvie said: “Our thoughts are with all the innocent people caught in the middle of escalating conflict in Israel and Gaza. The Scottish Government reiterates the call from the First Minister and the UN Secretary-General for a humanitarian corridor to be established so that urgent assistance can be given to those civilians who are trapped, helpless and cannot leave.
“Many thousands of people in Libya are also still dealing with the impact of major flooding following dam collapses in the aftermath of Storm Daniel and our thoughts are also with them and their families, as work to provide essential aid, such as food, clean water and shelter, continues in those areas worst affected.”
UNRWA Director of External Relations and Communications Tamara Alrifai said: “This generous contribution is an incredibly humane gesture towards tens of thousands of people who are in utter distress in the Gaza Strip.
UNRWA is very grateful for the show of support by Scotland and will use every penny to help alleviate the suffering of civilian women, children and men in Gaza.”
Self-Harm Network Scotland (SHNS) have announced the launch of their new live chat service; available to anyone aged 12 + across Scotland who needs support with their self-harm.
The SHNS service is operated by Penumbra Mental Health, a pioneering charity providing dedicated services for people with mild to serious enduring mental ill health.
The live chat was created to provide a support service outside of normal working hours, when those experiencing self-harm may be at their most vulnerable.
The live chat is a new addition to the portal, which was created to provide recovery-focussed support, tools and information that anyone can access to enable people to support themselves and others. This includes sections for those who self-harm, people supporting someone who self-harms, and professionals working with someone who self-harms. Additionally, you will still be able to self-refer onto the service via an online form outside of the live chat operating ours.
This next step will allow people anywhere in Scotland to get immediate support from one of the trained volunteers or peer practitioners. They can offer a listening ear, guidance and support when it’s needed most. Penumbra Mental Health is the largest employer of mental health peer workers in Scotland with 26% of its teams in peer support roles.
SHNS hopes that this service will reach people in their time of need, get them to where they need to be, keeping them safe and well on their journey to recovery.
Shona McBain, Senior Peer Practitioner, Self-harm Network Scotland,said: “Through the live chat, you will still receive that emotional peer connection that you receive through all our other services.
“You will either be connected with one of our peer practitioners or trained volunteers, many of whom have their own lived experience of self-harm.
“The difference with this service is that there is no requirement to agree to ongoing support. Our team will meet you at whatever stage you are at in your self-harm journey, and provide you with support that is tailored to your own needs. This might be a one-off conversation, or we may refer you to ongoing support if you wish.”
Meghan Drysdale, Service Manager, Self-harm Network Scotland,said: “Since SHNS’ infancy, the service has continued to grow and adapt to meet the needs of people across Scotland and raise awareness of Self-harm.
“Our team of practitioners exemplifies their unwavering commitment to working with those who engage in Self-harming, and this is driven by genuine enthusiasm for supporting others.
“Every member of our team brings a unique blend of passion and expertise, and this has allowed our service to grow and work so well to reach those in need.
“The addition of the live chat allows us to continue to reach more and more people in need of support. It reduces barriers and allows anonymity for those who aren’t ready to be known.”
Supported Person, Self-harm Network Scotland: “I received support from Self-harm Network Scotland after suffering with anxiety and depression following the birth of my daughter. I used self-harm at the time to cope with my feelings and emotions.
“The support I received was amazing. One of the best parts of the whole service was having someone with lived experience like my peer practitioner by my side. They helped me understand that I wasn’t alone in what I was experiencing.
“I had 15 sessions in total and I was initially worried about them coming to an end. When I found out about the live chat launching, this filled me with confidence. I knew that I had the tools to cope that my peer practitioner had equipped me with, but also, that the chat was there if I was ever struggling and needed to talk to someone quickly.
“I want more people to be aware that the live chat and self-referral process are there if you need help.”
Defence Secretary Grant Shapps will today announce a new package of support for Ukraine and the signing of further air defence contracts, procured through the International Fund for Ukraine.
A new package of military support for Ukraine, worth more than £100m, will be announced by the Defence Secretary today. It will help its armed forces clear minefields, maintain its vehicles, and shore up defensive fortifications to protect critical national infrastructure.
The support package, which will be provided using money from the International Fund for Ukraine (IFU), will be jointly announced today by the Defence Secretary and his counterparts from the IFU partner nations at a meeting of the Ukraine Defence Contact Group at NATO headquarters in Brussels.
It comes as the final contract from the previously announced IFU package of air defence capability was signed, which will see more than £70m of capabilities provided to Ukraine – including the MSI-DS Terrahawk Paladin, a platform which can track and destroy drones and protect critical national infrastructure.
The UK and Denmark launched the IFU in 2022 and the UK engages closely with Ukraine to procure capability that best meets the needs of its armed forces. Since then, five other nations have contributed to the IFU, demonstrating the unity and resolve of allies and partners in supporting Ukraine.
Defence Secretary Grant Shapps said: “During my recent visit to Kyiv, I assured President Zelenskyy that the UK’s support for Ukraine and their most urgent needs is unwavering.
“Today I am proud to announce that the UK, alongside our allies, is delivering on that promise with new contracts to provide Ukraine with critical air defence systems to protect civilians from Putin’s barbaric bombing campaign, and more than £100 million of new equipment pledged to give Ukrainian soldiers what they need to breach Russia’s deadly minefields.”
Today, the Defence Secretary attends his first meeting of the NATO-Ukraine Council, where ministers from member countries and Ukraine will discuss the ongoing international response to Putin’s illegal invasion.
It provides an opportunity for the Defence Secretary to raise the UK’s concerns regarding the crisis in Israel and Gaza, the developing situation regarding reported damage to undersea infrastructure between Finland and Estonia, as well as the UK’s recent deployment to Kosovo in support of NATO’s peacekeeping mission.
The announcement comes after the Prime Minister met President Zelenskyy at the European Political Community in Grenada last week. The Ukrainian President has said that air defence is Ukraine’s most critical capability need, and the Terrahawk Paladin will help deliver what Ukraine needs to protect its citizens from Putin’s indiscriminate campaign of missile strikes against civilian targets.
This latest package will also provide crucial equipment to help Ukrainian soldiers cross minefields, bridging capabilities to assist with river and trench crossings, and heavy duty plant vehicles to destroy Russian non-explosive obstacles and help build defensive positions to protect Ukraine’s critical national infrastructure.
Admiral Sir Tony Radakin, Chief of the Defence Staff, said: This new package of support is the latest in an unprecedented and sustained effort by 50 nations to give Ukraine the tools it needs to counter Russia’s aggression and recover what it has lost.
“This winter, Russia will seek to undermine the morale of the Ukrainian people and divide the international community, but in both cases Putin underestimates the strength and resilience of his opposition. If we stick together, and stay the course, then Russia will continue to lose, Ukraine will prevail and the rules that matter to global security will endure.”
Ukraine is now the most mined country on earth, which has provided the biggest obstacle in the path of Ukraine’s counter-offensive this year and mine clearing capabilities will be essential to the Armed Forces of Ukraine in pushing forward.
Equipment from both the air defence package and mobility support package will arrive in the coming months, joining other IFU-funded equipment already in Ukraine, including around 100 uncrewed aerial systems.
The IFU uses financial contributions from international partners to procure priority military assistance for Ukraine. This will ensure the continued supply of military support – lethal and non-lethal – to Ukraine through 2023 and beyond.
To date, £785m has been raised through the IFU following contributions from the UK, Norway, Netherlands, Denmark, Sweden, Iceland and Lithuania.
The IFU has recently expanded to include Lithuania on its Executive Panel, which is now formed by the UK and six other nations which provide oversight and assurance of the Fund, including the endorsement of capability packages.
Efforts to save Leith’s much-loved Lindsay Road Bridge (also known as Pride Bridge) have moved a step closer thanks to a funding award through Sustrans’ Places for Everyone programme.
The 1930’s bridge, originally built for vehicular traffic, was closed off to motor vehicles in 2008 and has since served as a key walking, wheeling, and cycling route over Hawthornvale Path. In 2021 community members painted the bridge in rainbow colours, leading to it being named locally as the ‘Rainbow’ or ‘Pride’ Bridge.
In December 2021 the bridge, which is at the end of its lifespan, was closed due to concerns around health and safety.
Council officers have since made a successful application for Transport Scotland funding through Sustrans for the design of a replacement bridge deck, with £232,700 awarded. A designer will now be appointed to progress the design, to be developed in consultation with stakeholders and the community.
This process is expected to last a year and, once it’s complete, officers intend to apply to Sustrans for 70% of the construction funding required to build the bridge.
The work will be delivered alongside the Leith Connections project which is making improvements to community spaces and providing better connections for anyone walking, wheeling or cycling through the streets of Leith.
The Leith Connections project was awarded funding through Places for Everyone, an active travel infrastructure programme backed by Transport Scotland and administered by Sustrans.
Councillor Scott Arthur, Transport and Environment Convener, said: I’m delighted that this funding award gives new hope for the future of Pride Bridge.
“This structure is a local landmark, a link to Leith’s industrial past and a reminder of the pandemic, but above all else for me it is a celebration and commemoration of lesbian, gay, bisexual and transgender pride. It also provides a safe and convenient walking and cycling route between North Fort Street and Newhaven area.
“Thanks to all those involved who have campaigned for its preservation.”
Kasper Schwartz from Sustrans said: “The Pride Bridge serves as a vital walking, wheeling, and cycling connection for the people of Newhaven.
“It not only provides a direct and accessible link to local shops, businesses, and public transport in the area, but also stands as a vibrant symbol of community resilience.
“We’re excited to be able to support the design and development of a new bridge deck, and in due course, see this important link reinstated.”
Róisín Thérèse from the Save the Pride Bridge campaign said: “We are delighted to hear that Sustrans has agreed to fund a full design with community consultation.
“We believe the Pride Bridge to be a very important piece of local history and heritage, an essential safe and accessible active travel route, and a much loved community space.
“We also believe that, especially in light of rising hate crime statistics, it is really important for us to show both our solidarity with the LGBTQ community and our commitment to their safety and inclusion.
“The Save The Pride Bridge group is looking forward to working closely with the council to find a suitable solution to restore this important local landmark.”
Call comes as the charity struggles to find homes for all animal companions after record number of people look to put their pet up for fostering after being made homeless
Animal care charity Pet Fostering Service Scotland is calling for an end to restrictive housing policies after its service has seen a record number of people looking to put their pets up for fostering.
The charity has seen over 1,000 enquiries to use Pet Fostering Service Scotland’s aid this year, a rise in over 20% compared to last year, and is now unable to find a foster home for all pets of owners in need, which could result in pets not having a safe place to stay.
With pets often abandoned by the people they depend on for care and support, Pet Fostering Service Scotland helps those in emergency situations who are eager to keep their furry companions.
Due to a multitude of reasons, pet owners can experience serious disruption to their home lives, often resulting in the dilemma of how to survive whilst also keeping their beloved pet.
Pet Fostering Service Scotland is a charity which has been supporting pet owners for 40 years. Now, the charity is calling for a ban on restrictive housing policies.
Those who have been evicted and made homeless can often feel there is no option other than to abandon their pets. According to the charity implementing less restrictive housing policies could avoid situations like these taking place.
Often accommodation for those who have either been made homeless or require refuge has a no pet policy. There has also been a rise in pet owners looking for new accommodation that accepts pets, currently having to wait one year for suitable housing to become available.
As a result, Pet Fostering Service Scotland has had to put pets into fostering for a year or longer, which is detrimental to the animal’s health as it is too long a period. This can also be distressing for owners due to the loss of consistent and familiar companionship provided by pets.
The cost-of-living increase has had a significant impact on finding temporary accommodation for those who have been made homeless, as most housing options exclude the homing of pets.
Pet Fostering Service Scotland has processed over 1,000 enquiries for pet care across Scotland this year. 37% of those were from people in a homeless or re-housing situation and as a result could not care for their pets in the short term.
Bob Sinclair Chair at Pet Fostering Service Scotland said:“For those who have been made homeless or are facing an emergency situation, being housed alongside their beloved pet is so important.
“The significance of the companionship between a pet and owner is important for wellbeing for both sides. Changing restrictive housing policies and allowing pets into temporary accommodation could be life changing for these individuals and result in far fewer abandonment scenarios.”
The Pet Fostering Service is non-chargeable and relies solely on donations for the work they provide, and volunteers can apply to become pet fosterers.
Pet fostering gives volunteers the companionship of a pet without the long-term responsibility and can bring a sense of reward from helping those in need, both human and animal.
The charity currently has over 300 volunteers.
If you are interested in fostering a pet or want to hear more about the charity, please visit https://www.pfss.org.uk/
Edinburgh’s Family and Household Support Service has prevented at least 350 households from becoming homeless, a council report has revealed.
At a meeting of the Housing, Homelessness and Fair Work Committee this week, councillors heard how the service is providing a citywide approach to ‘getting it right for everyone’ – with the aim of helping vulnerable residents before it’s too late.
Through referrals from sources such as teachers, housing officers and social workers to police officers and politicians, it has been possible to intervene early in many cases to help households in Edinburgh access the right advice and support.
Around £300,000 in welfare has been sourced to support families referred to the service, alongside advice on issues as varied as parenting, addiction, employment and health and wellbeing, according to the council report.
Working directly with teams which handle antisocial behaviour complaints and neighbourly disputes, the service is also working to prevent repeat instances of antisocial behaviour by working holistically with those involved to assess any support needs.
The Committee also heard how the service is successfully helping tenants sustain their tenancy once they move into a new home. Edinburgh’s ‘Keys and a Kit’ programme as it has been dubbed features sessions on finances, health and local community resources and activities to help new tenants settle in, which can be particularly important following a long period of homelessness.
By making the best use of limited resources by working collaboratively with charities and others, it is also estimated that this preventative approach has provided a saving to the council of close to £6m since 1 April 2022.
Councillor Jane Meagher, Housing, Homelessness and Fair Work Convener, said: “Every day, our tenants are interacting with council services – be it for health care, school, or welfare. These services need to be joined up so that we can better support the whole life of a tenant and it’s great to see the difference this ‘getting it right for everyone’ approach is making.
“Thanks to early intervention from council workers and from our partners, we’ve prevented homelessness for hundreds of households. Families entitled to benefits have been helped and tenants moving into new homes have been supported.
“Plus an extra advantage of this has been £4.5m of costs associated with homelessness avoided in the last year alone, at a time when our finances are under immense pressure.
“I hope to see us build on this even further now that the Family and Household Support Service reports into the Housing, Homelessness and Fair Work Committee.
“I’m confident that we’ll be able to draw this work together even more and build in other measures, such as noticing when a tenant’s home may be suffering from damp or is in need of an essential repair.”
Pupils and staff at Braes High School in Falkirk have been highlighting their innovate approaches to help cut the cost of the school day for families, as part of Challenge Poverty Week.
Cost-saving initiatives include the creation of ‘Take What You Need’ trolleys with essential school items, toiletries and snacks. S1 pupils also receive a Braes Backpack which contains a school starter kit.
The school has received more than £369,000 of Scottish Government Pupil Equity Funding (PEF) in recent years, supporting a range of work including these latest initiatives.
Scotland has the most generous universal free school meal offer of any nation in the UK – saving families an average of £400 per eligible child per year – while the School Clothing Grant has been increased so that those who are eligible receive at least £120 per child of primary school age and £150 per secondary pupil.
The 2023-24 Programme for Government set out commitments to further support reductions in the cost of the school day by funding the removal of core curriculum charges, further expanding free school meals and increasing the school clothing grant for the next academic year.
On a visit to the school, the Education Secretary Jenny Gilruth said: “It was hugely encouraging to visit Braes High School during Challenge Poverty Week and to witness the innovative approaches pupils and staff have adopted to deal with the challenges that, sadly, too many of our young people and their families are facing.
“This work has been supported by the Scottish Government’s Pupil Equity Funding scheme – with more than £520 million this parliamentary term empowering headteachers to take creative and innovative approaches to tackle the poverty-related attainment gap.
“We are determined to do everything in our power to support families out of poverty, including investing in the game-changing Scottish Child Payment – part of a package of measures taken by this government which will help lift 90,000 children out of poverty in Scotland this year.
“We know that many families are still struggling, particularly as a result of the cost of living crisis. Tackling the cost of the school day is a key priority for the Scottish Government.”
Sara Spencer, Cost of the School Day Project Manager at Child Poverty Action Group (CPAG) in Scotland: “We have been delighted to work with Braes High School and their Cost of the School Day Pupil Group and see all of the meaningful ways young people have involved their school community and designed supports that help to make sure everyone can take part and feel included.
“Cost of the School Day at Braes is an inspiring example of what can happen when young people take the lead on equity in their own schools and a reminder of the impact that a poverty aware school culture and a clear focus on reducing the cost of the school day can have.”
Braes HS Head teacher Iain Livingstone said: “Our young people, staff, parents, carers and the wider community work well together to challenge poverty and support all learners. Pupil Equity Funding has helped us take forward a number of projects and support to help our young people get the most out of their education.
“We enjoyed being able to speak with the Cabinet Secretary, and seeing our young people discuss the many developments and ideas they lead.”
Braes High School worked with the Child Poverty Action Group to develop these initiatives. They are part of the new Cost of the School Day Voice network of children and young people.
Schools in Falkirk Council have received more than £26 million from the Scottish Government between 2015-16 and 2022-23 to close the poverty related attainment gap.
Bank of Family support varies regionally and isn’t closely aligned to house price differences – recipients in the East of England are receiving most support (av. £32,100), while those in the West Midlands receive the least (av. £19,800)
Affordability issues are universal but most Bank of Family support goes to urban home purchases (216,500), compared to 100,500 rural homes
According to the survey, just 39% of Bank of Family recipients will benefit from professional advice from a mortgage broker or financial adviser before accepting help this year
Housing affordability is worsening across all UK regions, forcing many aspiring homeowners to depend on financial gifting from relatives – the Bank of Family – to step onto the ladder, according to new data from Legal & General and the Centre for Economics and Business Research (Cebr).
The report reveals that Bank of Family recipients may receive varying amounts of support depending on where they live. Surprisingly, levels of gifting don’t closely align to house price differences – according to the data, borrowers in the East of England are receiving the most support (av. £32,100), while those in the West Midlands receive the least (av. £19,800).
Huge gulf between the UK’s urban and rural markets
The data also indicates that the volume and individual size of Bank of Family gifting varies depending on whether the borrower lives in an urban or rural area. In 2023, the Bank of Family is expected to support the financing of 216,500 urban home purchases. Meanwhile, the number of rural homes bought with support from the Bank of Family will be less than half that total, at 100,500.
Homebuyers in towns and cities are not only more likely to lean on the Bank of Family to buy a home, but they often need to borrow more than those in rural areas. The Bank of Family is estimated to gift £5.7 billion towards urban home purchases in 2023, accounting for 70% of the value of Bank of Family support and more than two-thirds (67%) of the transactions it facilitates.
That equates to roughly £82bn worth of housing in 2023. The average gift or loan size for an urban home is also higher at £26,200, compared to £23,900 for a rural property.
Bank of Family propping up purchases up and down the country, but with huge regional variations
Although house prices appear to be softening, homebuyers are still facing worsening affordability across the UK property market. The Bank of England base rate increased from 0.1% in December 2021 to 5.25% in August 2023, significantly increasing mortgage costs, with the average repayment for a semi-detached house rising by 61% across all UK regions from 2022 to 2023.
These wider affordability currents are reflected in Legal & General’s report, which investigates the amount of property transactions in each UK region that received funding by a loan or gift from the Bank of Family. Buyers in London are by far and away the most likely to receive financial aid from family members, perhaps unsurprising with the average house price standing at almost double the UK average (£534,000 compared to £286,005 in April 2023).
In fact, the survey suggests the Bank of Family supported two-thirds (67%) of recent homebuyers in the capital, more than double the proportion of the second-placed region (the North West at 36%).
Legal & General also recorded the average size of Bank of Family financial gifts across all UK regions.
London, the South East, the East of England and the South West see the greatest contributions from the Bank of Family. However, there is not always a direct correlation between regional house prices and the average size of a Bank of Family gift. The East of England leads the way across all UK regions for the highest average Bank of Family gift or loan at £32,100 despite its lower house prices, trumping even London gifting at £30,000.
Find out more about the regional variation in Bank of Family lending with Legal & General’s interactive map, here.
Kevin Roberts, Managing Director, Legal & General Mortgage Services, commented: “Up and down the country, the Bank of Family is making significant financial sacrifices to help family members onto the housing ladder.
“Support is concentrated in urban and southern areas, where house prices are the highest, but is prevalent across the UK. While a brilliant lifeline for those able to draw on it, many people will not have access to such generosity and this widespread support is indicative of deep, underlying affordability issues affecting the UK.”
Significant gender split in borrowers seeking professional financial advice
Despite the Bank of Family being set to support a record number of home purchases in 2023, Legal & General’s survey also found that many recipients are not seeking professional advice.
Aspiring buyers who draw upon family support largely do not speak to an adviser before accepting family help, with just 39% of borrowers seeking guidance from a mortgage broker or professional adviser during their Bank of Family transaction. More than a quarter (28%) did not seek any advice at all.
Gender also plays a crucial role in borrowers’ decisions to seek professional advice. At 46%, women are far more likely to speak to a professional adviser than men (30%). In comparison, men (42%) were much more likely to depend on advice from friends than women (29%). Overall, 35% of all respondents asked friends and acquaintances who had similar experiences for advice.
Kevin Roberts, Managing Director, Legal & General Mortgage Services commented:“The Bank of Family has not only become a major lender – the ninth largest in the UK if it were a formal entity – but also a significant source of financial advice, with less than 40% of financial aid recipients seeking professional guidance before their transactions.
“The gender dynamics at play are also fascinating. At 46%, women are far more likely to speak to a professional adviser than men at 30%. In comparison, men are much more likely to depend on advice from friends than women, at 42% compared to just over a quarter (29%).
“In such a challenging economic climate, buyers must not overlook the insights that an adviser can bring to even the most complex of property transactions. Failing to do so could prove a very expensive mistake later down the line.”
Read the full report on the Legal & General website here. Find out more about how families can support each other when it comes to homeownership in the Legal & General Guide to Gifting here.
