Bank of Mum and Dad is definitely an industry in full swing.  As a family lawyer and mediator I frequently come across cases where parents have gifted a deposit but no steps have been taken to protect that gift should a relationship break down.  These discussions need to take place from the outset.  Parents need to be clear about whether they are gifting money to the couple jointly or just to their offspring.  If the latter they need to be sensitive to the partners feelings on the subject.  Open and frank discussions between everyone should take place and decisions should be recorded properly either by declarations of trust, cohabitation agreements or pre nuptial agreements.