i have no experience recently with CBA but can't see any reason why they wouldn't do a trust.

All.

Bob, what are you trying to acheive?

If a person buys a house generally the bank will want that person to be able to service the loan. They would only allow only a spouse to guarantee the loan.

With a company or trust it would be possible

Such a transaction may not give any asset protection. If you were to get me to own the property for example, and you paid the loan then it would easily be demonstrated that I am trustee for you. Also what if I were to go bankrupt or get divorced, or die??

Diamonds, gold?

Send it overseas and borrow it back?

you mean controlling the property but not owning?

1. Company with you as shareholder, or a trust as shareholder.

2. Discretionary trust with you as one of many beneficiaries

3. Unit trust with you as unit holder or discreionary trust as unit holder.

4. Bare trust with you as only beneficiary

5. spouse's name with you living there, paying for the loan etc – could be construed as a trust

6. parent's name with you hoping to get the property via will

7 parent's name with you hoping to get control via a testamentary trust in will

8. SMSF fund

9. Custodian trust as trustee for a SMSF (if bororwings).

Tax free passive income.

He has to sell CGT impregnated property to pay this, so the real cost maybe $2mil

I had a client whose mother died and she had $150k worth of UPE from the family trust. The trust had no spare cash and it was a third party executor who was duty bound to call in her debts. In the end the executor had to sue the trustee of the trust (director was the son) so that the estate could get the $150k and then distribute it to the beneficiaries – one of whom was the son. Supreme Court = very expensive.

So be very careful about UPEs!

In Australia pre-nups are called "binding Financial Agreements" and they can be made before during or after a marriage/defacto. They are binding if done properly – this is covered in the Family Law Act.

Many are not done properly though. They can also be challenged if there are material changes in cicumstances which are not considered

There are a couple of issues

1. Are you a defacto? Will you be living together as a couple etc etc. Sounds like you are a defacto couple to me.

2. Can a person rent a property to themselves? No

3. Ca a person rent to their spouse – possibly, but not if they are living there too.

Or

Don't get married/Defacto

Are you prepared to lie under oath? Make a false declaration – 5 years prison, max.

If you go bankrupt you will need to disclose assets. Including assets held by someone else as trustee for yourself, whether the assets are in Australia or overseas.