Assuming same loans and rates etc there would be no effect in putting it in. The differences will be when you take the money out

Offset = no tax issues

Redraw = New borrowings

Lots of issues with borrowing that much money – what if you or them died? The loan needs to be clearly documented. What if you became insolvent – they could lose their money.

What if you couldn't give it back? What if you purchased for cash and then couldnt get  a loan

etc

I agree – Darryl!

Yes, these sorts of agreements can be drawn up – what state ill you buy in? Approx $2k for a tailored JV agreement.

mortgage free debt free – by the title of that they would want you to pay PI!

IO loans are good as it will save you tax until you can pay off non deductible debt. If you are paying down an investment property then this is money which could have gone to paying off your home loan which is non deductible.

FIRB. See the Foreigin incursions and takeovers Act for foreign purchasers. Or ring the FIRB.

You should seek financial advice as you can only contribute a maximum of $25k pa to super and this includes the 9% guarantee. Any contributions are taxed at 15% going in and the income as taxed at 15% too. Once contributed to super the funds cannot be withdrawn until you meet a condition of release such as retirement.

It will probably be transferred at market value as on the date of transfer – stamp duty by transferee and tax by the company payable too. But it is not so simple as you would also own shares in the company and these may need to be transferred as well. Any guaraantees provided on the loans? Directorships?

Some other ways to protect assets are:

1/ Not to have any

2. encourage your spouse/parents etc to own instead of you

3. private loans and mortgages

If your friend is sole director is can be good asset protection for you is the business goes under, but risky for you as you won't have control of the company. He could transfer money or have the company enter into contracts etc

A hyrbid trust is one in which there are discretionary aspects and units. The deed could specify capital to the unit holders and income to the discretion of the trustee, for example. However this wouldn't provide any additional asset protection, but probably weaken it. Units are property.

I don't know what you mean by:

And to make matters even more interesting, we would like to eventually have all future businesses inject profits/losses back to the same Pty Ltd for tax offsetting purposes.

Trust can distribute income into a company, but not losses. If the company is trading it could retain income and be taxed on it.

Purchasing a PPOR in a trust is not generally done as you would lose the CGT exemption and be subject to land tax possibly – 2 taxes where there otherwise would be none. There are other ways to structure with some asset protection. And don't assume trust = asset protection because there are a number of ways this could be attacked, especially in the early years.