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@joshuasamuel212 There's just no reason an opportunity for guaranteed returns would not be open to everyone - the property developer would just develop twice as much. Or, if the opportunity was genuinely lucrative they'd raise finance at a far lower rate than friends and family.

@ahiah1 If that was the case the family member might as well just give them £2k (the 8% return) and be done with it.

@proudpa2 Sounds perfectly doable, I'd just be keen to break it down a bit and check there's no gaps.

@jewelz613 I would want to know a lot more about where this 8% return is coming from before choosing an unregulated investment over Vanguard. Why do none of your options include not giving lending any of your money to the family member?

@proudpa2 It looks doable but I'm not sure I'd say comfortable, your budget looks squeezed in some areas, and you have a few categories missing. You're budgeting £565 for all essential home costs - why not break them down into individual sections and check? Also you haven't included anything...

@karla1962 also, I'm not sure the market value is really £500k based on those statements. £27k annual rent on a £500k property is a gross yield of 5.4%, before costs like agency fees, insurance, mortgage interest, safety inspections, void periods and income tax. Is it really worth the work...