---
title: "Search Blog by Month - Sapience Financial"
description: "search our Sapience Financial archive of Blog Articles by month written"
url: "https://sapience.com.au/resources/search-blog-articles-by-month?layout=blog&start=192"
date: "2026-06-24T16:18:23+00:00"
language: "en-GB"
---

[ ![smashed piggy savings bank](https://sapience.com.au/images/intro-a-better-way-to-lend-money-to-family-members-sapience-financial.jpg) ](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members "A better way to lend money to family members") ##  [ A better way to lend money to family members ](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members)

---

### Generosity Meets Responsibility

Many parents who are able to help their children get into the property market find themselves in the difficult situation of having to choose whether they are 'gifting' or 'lending money' to an adult child.

While this may have consequences for a lender today, it also has consequences for a future tomorrow.

So how do you protect a gift to a family member?

- [ lending money to the kids ](https://sapience.com.au/all-tags/lending-money-to-the-kids)
- [ family provision ](https://sapience.com.au/all-tags/family-provision)
- [ family loan agreement ](https://sapience.com.au/all-tags/family-loan-agreement)
- [ lending money to parents ](https://sapience.com.au/all-tags/lending-money-to-parents)
- [ Pre-elder abuse ](https://sapience.com.au/all-tags/pre-elder-abuse)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/a-better-way-to-lend-money-to-family-members)

  [ ![fortune teller and client](https://sapience.com.au/images/blog-assets/intro-take-the-mystery-out-of-applying-for-a-mortgage-sapience-financial.jpg) ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage "Take the mystery out of applying for a mortgage") ##  [ Take the mystery out of applying for a mortgage ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage)

---

### How to prepare for a Home Loan Application

### Applying for a mortgage is usually one of the biggest financial decisions a person will make in their life, so it just makes sense to give yourself the best chance.

Whether you're looking for your first home loan or an [investment property ](https://sapience.com.au/services/investment-property)loan, the preparation is really the same.

- [ mortgage ](https://sapience.com.au/all-tags/mortgage)
- [ credit score ](https://sapience.com.au/all-tags/credit-score)
- [ LMI ](https://sapience.com.au/all-tags/lmi)
- [ mortgage exit strategy ](https://sapience.com.au/all-tags/mortgage-exit-strategy)
- [ 🏠 Wealth Builders & Home Finance ](https://sapience.com.au/insights/wealth-builders-home-finance)

 [ Read more … ](https://sapience.com.au/blog/take-the-mystery-out-of-applying-for-a-mortgage)

  [ ![older brother supporting his younger brother in wheel chair](https://sapience.com.au/images/blog/intro-caring-for-someone-with-special-or-additional-needs-sapience-financial.jpg) ](https://sapience.com.au/blog/caring-for-someone-with-special-or-additional-needs "Caring for someone with special or additional needs") ##  [ Caring for someone with special or additional needs ](https://sapience.com.au/blog/caring-for-someone-with-special-or-additional-needs)

---

### What happens when the one you’re caring for, outlives you?

### The #1 question of parents and siblings with a special or additional needs child or sibling is usually:

> Who will look after them when we’re not there?

- [ things parents think about ](https://sapience.com.au/all-tags/things-parents-think-about)
- [ special needs ](https://sapience.com.au/all-tags/special-needs)
- [ additional needs ](https://sapience.com.au/all-tags/additional-needs)
- [ 🌳 Family, Legacy & Aging ](https://sapience.com.au/insights/family-legacy-aging)
- [ ⚖️ Estate Law & Succession Planning ](https://sapience.com.au/insights/estate-law-succession)
- [ 🛡️ Specialist Risk & Insurance ](https://sapience.com.au/insights/specialist-risk-insurance)

 [ Read more … ](https://sapience.com.au/blog/caring-for-someone-with-special-or-additional-needs)

  [ ![crowd of people walking](https://sapience.com.au/images/blog/intro-doing-whats-right-sapience-financial.jpg) ](https://sapience.com.au/blog/doing-whats-right "Saying what's right") ##  [ Saying what's right ](https://sapience.com.au/blog/doing-whats-right)

---

### When should a business express a moral opinion?

A few years ago, I attended a conference for business owners discussing the importance of *ethics and purpose in business*.

Things were going great until someone stood up and asked ‘that’ question. But wait, I’m getting ahead of myself.

- [ leadership ](https://sapience.com.au/all-tags/leadership)
- [ LGBTQIA+ ](https://sapience.com.au/all-tags/lgbtqia)
- [ say it like it is ](https://sapience.com.au/all-tags/say-it-like-it-is)
- [ ethics ](https://sapience.com.au/all-tags/ethics)
- [ 🤝 Small Business Risk & Partnership ](https://sapience.com.au/insights/small-business-risk-partnership)
- [ 🌍 Social Leadership & Conscious Business ](https://sapience.com.au/insights/social-leadership-conscious-business)

 [ Read more … ](https://sapience.com.au/blog/doing-whats-right)

1. [ Why you can’t leave your superannuation to your parents, even if you wanted to](https://sapience.com.au/blog/why-you-cant-leave-your-superannuation-to-your-parents)
2. [ Sick children recover faster when their parents can be with them](https://sapience.com.au/blog/sick-children-recover-faster-when-their-parents-can-be-with-them)
3. [ Free eGuide - 31 Families Every Day Lose a Parent](https://sapience.com.au/blog/31-families-every-day-lose-a-parent)
4. [ New Medical Second Opinion Service available to Sapience clients](https://sapience.com.au/blog/new-medical-second-opinion-service)
5. [ Free eGuide - 31 Good Money Habits to Model for your Kids](https://sapience.com.au/blog/free-eguide-31-good-money-habits-to-model-for-your-kids)
6. [ It's time to choose a Guardian for your children, just in case](https://sapience.com.au/blog/it-time-to-choose-a-guardian-for-your-children-just-in-case)
7. [ How to Budget Like A Badass!](https://sapience.com.au/blog/how-to-budget-like-a-badass)

### [ Modern Small Business Leadership](https://sapience.com.au/blog/modern-small-business)

 Page 49 of 73

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