Generous parents. Grateful children. No paperwork. That's where families get hurt.

Behind every transfer is a story. Intentia helps you tell it properly.

The Bank of Mum & Dad
£0b
transfers from parents to children
every year in the UK
A gift of love — and a legal responsibility.
Where the money goes
House deposits
£9.2b
Weddings
£3.4b
Debt relief
£3.1b
Divorce costs
£0.7b
Education costs
£0.6b
Most parental transfers are undocumented — leaving families exposed to dispute, tax liability & regret.

Introducing Intentia from IDR Law

As the UK’s only inheritance dispute specialist law firm, award winning IDR Law has seen first‑hand the emotional and financial fallout from misunderstandings around informal acts of generosity among family members.

The legal team at IDR Law have dealt with over 30,000 disputes since its founding in 2017 and have found that the absence of any reliable recorded intention is the single most commonly recurring cause in contested estates, sibling disputes and family litigation following a lifetime transfer. It is not a niche problem. It affects every family that has ever moved money between generations without writing down what they meant.

Intentia does not give legal advice. It records legally significant intentions — clearly, completely, and in a form that holds up when it matters most. Both parties sign. Both are protected. All siblings are considered.

Why Intentia matters

The scale of informal family gifting is growing:

£17bn

gifted annually from parents to children

1M+

families make informal transfers each year

50%

of equity release payments support children

Only 12%

of parents seek financial advice before gifting a house deposit

Only 8%

seek legal advice

Unclear intentions increasingly lead to disputes after death. With changing tax rules on how pension funds are treated, inter‑generational wealth movement at record values, and a rise in blended families, this trend will accelerate. Intentia is a fast, affordable and accessible solution that produces a document with genuine evidential weight at a cost equivalent to just 20 minutes of a typical contentious probate lawyer’s hourly rate!

How Intentia works

A clear, intuitive journey:

The IDR Legal team has taken the 21 most common probate claims and issues arising out of a lifetime payment and turned them into a guided set of scenario questions to ensure that YOUR intentions regarding the lifetime transfer are recorded. NO legal knowledge is required – this is not legal advice – it is your intentions need to be understood and recorded.

1
Answer guided questions

Intentia takes you through a guided set of Plain-English questions to determine your intentions and the nature of the payment. The questions are guided and use weighted logic to ensure nothing relevant is missed.

2
Receive your Memorandum of Intention

Intentia produces a Memorandum of Intention (MoI) that is bespoke to you. You will be invited to check and confirm/amend that document.

3
Sign electronically

Intentia will then invite you to electronically sign your MoI which also digitally date stamps the document. There is an option to send the MoI to the family member receiving the transfer to co-sign electronically.

4
Optional protective steps

The intentions recorded in your MoI may prompt Intentia to recommend further OPTIONAL protective steps be provided by a legal professional. If that does happen, Intentia will provide suggested links to appropriate legal professionals to help with this.

Once completed, your electronically signed MoI can be downloaded for safekeeping or can be sent to your family and professional advisor. Alternatively, you may wish to store any number of MoI documents and other important information in a digital vault – we have negotiated an introductory rate to use Kinvault. Use of Kinvault is entirely optional.

FAQs

Intentia is an app created and powered by IDR Law to help families capture clear intentions around gifts and loans. It produces an electronically signed and digitally date stamped confirmation of intention attached to the payment made. This is evidence of the agreement reached in relation to the transfer of funds. Intentia does not replace legal advice. Where additional advice is recommended, the MoI will flag next steps and facilitate referrals.

Intentia produces an electronically signed and digitally date stamped confirmation of intention attached to the payment made. This is evidence of the agreement reached in relation to the transfer of funds. For complex situations, blended families, or significant sums, we recommend seeking tailored advice from a qualified professional.

Intentia helps reduce the risk of misunderstandings that can contribute to disputes and potential IHT complications. It does not provide tax advice, but its MoI highlights relevant next steps so families can act early.

Yes. Intentia helps document intention for a wide range of family‑based support, including equity‑release‑funded gifts.

Most users complete clear agreements in minutes thanks to the structured question flow and autogenerated documents.

Documenting gifts through Intentia helps clarify your intentions, which can support and complement what is written in your will. The Memorandum of Intention (MoI) created by the app provides clear evidence of how you intended a payment to be treated during your lifetime. However, Intentia does not update your will for you.

If the arrangement affects how you want your estate to be distributed, you should review your will and speak to a qualified professional to ensure everything remains aligned. The MoI will highlight if any follow‑up actions, such as updating your will or notifying your executors, may be helpful.

Turn good intentions into lasting clarity.

Start documenting family gifts and loans today.