Good Morning:
I am inquiring about any metallurgical or otherwise reactions that may take place as a result of using tin-lead solder to fix gold plated contact leads to printed circuit boards?
There are too many variables (chiefly, solder and substrate compositions) to give a simple answer. The gold is usually very thin and only serves to protect the substrate alloy from oxidation prior to soldering. During soldering, the gold dissolves and the liquid solder bonds to and alloys with the substrate metal. The NIST has a lot of info on solder system phase diagrams, useful for checking for solid solubilities and intermetallic formation:
One problem is intermetallic compound (IMC) formation between tin of the solder and nickel. When electroless nickel (Ni + 1-12% P alloy) (EN is used commonly as a barrier layer beneath the gold), is soldered nickel diffuses into the solder, forming an NiSn IMC, and leaving a P-enriched, weakened interface. A good reference (has photos) for this reaction (although gold was not used in this example) is
There are many other metallurgical issues, such as thermal fatigue, void formation from the Kirkendall effect, and whisker growth, although most work is on lead-free solders. E.g., see the June 2003 issue of JOM, etc.