Parents are being encouraged to use their savings to help children who are struggling to afford their first home in WA.
A new type of loan is offering formal agreements, ensuring a return for those who help young buyers with a deposit.
But some financial planners say the scheme encourages poor saving habits and risks family conflicts.
Bluebay Home Loans managing director Don Crellin said it was harder than ever to save for a deposit on a first home.
He said the group's parent assist scheme met a demand for a formal loan without parents needing to act as a guarantor. Parents would be repaid some of the interest rate and share any capital gain.
Shift worker Sarah McAdams said it was "deflating" trying to save for a deposit on a Perth home and her mother Robyn Whitcombe was considering a parent loan to help her children.
But Subiaco financial planner Graeme Taylor said many children needed to show they could save well before parents should consider lending them cash.
Consumer watchdog Choice also warned about potential pitfalls, including implications on parents' pensions and conflicts in splitting capital gains.
It has advised parents to look for independent advice before signing up to a complex product.