PJ – sorry I don’t understand that. How would buying an IP help with cashflow? Sure it may go up in value, but why are you linking the IP and the debt? They are totally separate issues I think.

Many issues could arise. eg in relation to trust law, family law, bankruptcy, estate planning, stamp duty, CGT, mortgaging, difficulty selling if one party doesn't agree etc. Disputes can also arise about who pays what etc

Trusts are extremely complex, so the first thing to do would be to learn the basics to try to understand them a little bit before making a decision.

Good to hear. That is thinking and sounds like you are very happy – but hope you got legal advice on the implications.

You can transfer it at any amount, but both stamp duty and CGT will be applicable at market rates.

Banks are companies, not charities, they are in it for the profits. Therefore they should do everything they can to increase the profits (within the laws of course). The directors also have duties, under the corporations Act, to do their best to make profits for their shareholders.

Ideally you should have used a LOC on existing properties instead of cash. By using your cash you have done very good, but you have tied it up. If you had used equity you could have had a large amount of cash available which you could have used for the purchase of a property to live in, or other personal expenses.

It is generally good to keep your cash in the offset and not pay down the PPOR loan. But this may not be the case if you don't have equity and need to use cash to start. If you take the offset cash your PPOR loan interest will increase and you won't be able to claim this so it would be better to pay down the loan and then reborrow it as a LOC. Then invest and thereby claim the interest

I doubt you will be able to get the FHOG unless you are a permanent resident or citizen.

You will need to do a lot more reading on trusts I think. So much to understand.

property owned under a trust can't be claimed as the main residence and CGT will apply. FHOG is not available for properties owned under a trust structure either.

Don't always beleive what the so called experts say. Do you own research.

There is a lot of differences there.

A partnership is the most dangerous structure – it is not a separate legal entity with each partner involved being liable for the whole debt of the partnership. When you sue a partnership you sue all individual partners

A company is a separate legal entity which can sue and be sued in its own right. Shareholders are not liable for company debts.

A JV may or may not be a partnership. JVs are two or more people/companies coming together for a one off project. They may use a company to trade under.

A syndicate is a lose term referring to a group of people getting together to do a project and it could be any structure from above.