For calculation purposes putting money in an offset would ssve the same amount of interest as if you put the money into the loan. So a normal calculator should work. In excel look for a amortization template.

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For your 800k property you would be far better to get a large loan and place extra cash in the offset. This is for tax reasons.

Slight changes in tax rates from July. Also consider the delay is paying the ato cgt. If sell after 1 july you can keep the.money for another year

The phrase limited recourse is partially misleading. It only means, in relation to SMSF loans, that recourse to the SMSF assets is restricted.

It is standard practice for banks to ask for personal guarantees even for so called limited recourse loans. No breach of the SIS act either.

There are one or two lenders which can allow lending under certain circumstances so you should speak to a good broker about that.

Removing you name from title will have little to no asset protection basis at this stage. Your house would still be at risk especially in tje early years and depending on how and why you sre doing it the later years as well.

Removing one of you as director is not so simple either as all members must be directors.

STill not enough detail to answer.

This is like trying goolge for medical advice. A sore stomach may be indigestion or it may be an appendix for example.

Is also not just a matter of determineing tje name of a structure but how to structure the structure. E.g you may think you need to set up a discretionary trust but who should be trustee. If a company who should be director who should be shareholder. How many shares what type of shares. Constitution or none. Terms of constution. Sharehokder agreements. What happens with loans. How to minimise guarantees.

With the trust who shoukd be appointor who backup appointor. What terms of the trust. Any restrictions on trustee benefiting. Any stamp duty implications on changing trustee. What about adding “partners” down the track. Can it be done and how.

What happens on your death?

What happpens onyour incapacity? Do you have a power of attorney? Could this attorney take control of you trustee company and or the role of appointor?

ETc etc

THis is why you need legal advice in setting up a structure. Find a lawyer with a spell checker.

I don't see this making any difference to owning the property in your personal capacity. If you are looking at landlord's insurance then it may, but not for building.

May have to work this out over several posts.

FIrst, who is the owner of the cash? You, spouse, trust a , trust b etc? And where is it sitting now?

Hi Dean

JUst becareful when different entities are involved. Transferring from one to the other is possible but just think of classication. Is it a loan or a gift etc.Things can get messy and it will eventually become impossible to work out.this can lead to weakening of asset protection and estate planning problems too.

If ing sold the security property and there was a shortfall they would then be an unsexured creditor

House of weslth sre good on the expat side. Speak to michael there in melb office.