Here's a suggestion:You could try Virgin Money (www.virginmoney.com, costs $99, I think) and see if you can structure the "social loan" as a 40- or 50- year "interest only" loan with a balloon payment due at maturity. Separately, your in-laws could then write their will to forgive the ballon payment (or have a separate "rider" on the promissory note stating that the ballon payment is forgiven upon the death of the last surviving of the in-laws).
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