What do you mean by "second is hybrid 1/4 ppor and 3/4 ip (farm with house) $360000 loan"

Is it a mixed purpose loan or a large farm with 1/4 used for your home?

Its a good idea to try to educate yourself, but there is only so much you can do yourself. I have been like that and have completed course in law (including masters), taxation, mortgage broking and am now doing financial planning including super. But I am still learning new stuff everyday.

I think you have to know the basics and then use professionals. What you know should confirm whether they are broadly on the right track or not. eg. a planner recommending selling a property and investing in a plantation should ring alarm bells, but a tax specialist who recommends XXX and backs up their suggestion with references to legislation etc might make you more confident.

Rather than A pty ltd company a unit trust would be much better

Sorry, I would have to advise against this.

Paying down loans is generally good, but as this is an investment loan then the person should be paying into a 100% offset account to avoid tax problems.

Remember money paid into a loan is new borrowings when withdrawn

Stay clear of brokers selling properties off the plan!

hang on – you cannot just redraw money. If you do that you will end up with a mxied purpose loan.

yes it is dangerous for the average client out there. most would be none the wiser

The stamp duty on each transfer would have to be at market rates ie on market value. Also. Cgt or income tax would be at market value.

In Nsw you. An generally only get owner builder license once every 5 years. However if you were a builder then no need for the license as you would have a builders licence

Is this in Australia?

Sounds like you mean:
1. Create a company as trustee and legal owner of the property, and
2. the company will act as trustee for 3 separate trusts. 1 for each family.

I would not recommend this because. Setting up a company is cheap so you might was well have a separate company for each trust.

You need to worry about control of the company. 2 families could control the trustee and disadvantage the 3rd family. There will also be deaths and divorces possibly and control could pass to others outside the family.

If there is one company then all members would have to guarantee all loans too. Bad for asset protection and bad for serviceability.

The only positive point is you will only have one asic fee each year which will save you about $220 pa per company.

Before you go any further you should get some good legal advice as there could be asset protection and tax strategies you could utilise.