It depends. Generally the main residence can be sold tax free up to 2 years after death. But not all main residences are CGT free – over 2 hectares, run a business from there etc.

get some legal advice about minimising taxes. One way may be thru a testamentary discretionary trust.

why would someone sell something for 60% retail price?
When you sell property there is generally a 10% deposit and the rest is paid at settlement. And you cannot get access to the deposit generally.

It sounds like you are wanting people to pay up front, but not get legal title until 2 years later. Don’t think many would be prepared to risk that.

You could set up some sort of managed investment scheme where the client lends you money and you develop with them taking a mortgage over property. But you would need to own it outright.
If you are raising money from the public this will be very costly to set up.

Yes full duty would apply.
Mortgage discharge and registration
loan application fees
conveyancing fees.
CGT needs to be considered

I don’t know about commercial loans with offset accounts but how will you get the cash into the trust?

which country are you purchasing in?

Only lawyers can set up trusts legally – speak to a structuring lawyer.

Yes you could use the 6 year rule on property A (providing it meets the other requirements).
But because the absence has been longer than 6 years it will not be totally CGT free. BUt a large chunk of it could be.

I don’t think any state govt department would be endorsing any sort of legal documents. An irrevocable poa might be solid, but it could still be revoked on equitable grounds – such as undue influence, duress, fraud etc

There was a recent case involving a binding financial agreement (prenup) which failed because the husband basically applied undue pressure to the wife by pulling out the doc a few days before the wedding and saying sign this or the wedding was off. This sort of pressure was unreasonable so even though the document was legally valid, it could not be enforced.

Something similar could happen with a POA.

Are you a spender or a saver? Generally it would be better to get the tax savings every paycheck, but not if you are a spender perhaps.

If your estimated deductions are enough you won’t have to pay any tax, but you can’t just go making up figures to artificially reduce the tax paid through wages. If you do there could be penalties imposed.

Yes the cash flow consequences would be entirely different, but here we were discussing serviceability. The lenders will treat any IO loan as if it was a PI loan.