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If overpayment is allowed without penalty, just because they give 7 years doesn't mean you would use the full 7 years, the overpayment top up you and your brother give will naturally cut down the years as long as your dad's paying monthly doesn't change

@nyeung What I initially thought was that you and your brother have some money at hand. That is why I was suggesting that you look at Group 2 of CGT to give to your dad tax free (then get it back as inheritance later on). Even without money at hand, there is not much point to borrow from An...

@nyeung What you need is efficiency. If I were you I'd suggest to explore the situation where you and both your brother give money to your dad under the capital gains threshold (group B, also remember you get another 3k on top of that every year tax free. If your mother is still around, that...

@vescd Ok. That kinda make sense. Although the A5G definitely threw me off a little.

@debrap Thanks, at least the naming is consistent in your example. The class aspect is ok. I understand that part. Maybe AIB naming is one of the rare one with A5G instead of the recognisable name (or probably already taken on the exchange)

Recently started to take an interest in shares (still learning and lots more to learn). I'm a little confused about different tickers for the same company. I know there are some with different classes which include voting rights and non voting rights such as BRK.A and BRK.B. This is reasonably...