Thanks all for the information,appreciate it.

I think I definitely need to consult a professional regarding the trust and do a bit more research.

Cheers

Thank you very much for the help Jamie, much appreciated

Thank you for the advice Jamie, very helpful. Would you recommend using investment loans as P&I so that over the years the loan is slowly reduced and therefore the risk is slowly reducing? I understand most people prefer investment properties to be IO especially when they are repaying their PPOR; however I do not have a PPOR as I only rent

Thank you