Yes, you should get a private ruling.
What is the purpose of you capitalising interest this way? Only for a tax benefit in the future.

You are assessed on your taxabe income. That is income minus expesnes. if you end up with $20k taxable income then no tax would be payable.

I don’t know.
His loan is his business, but the lender could try to take possessio of the property and this could cause her to have to buy his share or to sell possibly. she should seek legal advice.

In most discretionary trusts no one beneficiary has any interest in the assets of the trust. So if a beneficiary were to be sued and end up bankrupt the assets of the trust are not property than can fall into the hands of creditors. An appointor of a trust may also be bankrupt yet the position of appointor is also not property that can be seized. If a trustee of a trust goes bankrupt then property they own as trustee is not property that is able to be seized.

The above is the general rule, but if you have transferred property into a trust it could be attaccked. If you have loaned money to a trust then that is still your money and will be available for creditors.

This is why the discretionary trust is the best invention since sliced bread! Anyone building up substantial assets needs to seriously consider using a discretionary trust as part of their family estate planning. But there are many issues with owning real property in a trust with the main one being land tax.

You need to speak to a lawyer about setting up trusts as it involves legal advice. You should also seek tax advice as there are many complex tax aspects to trusts as well.

Consider post ddeath testamentary trust – s102AG ITAA36.

It would be good for asset protection and you may be able to divert income to children who could then be taxed at adult rates.

You will have to pay LMI if you borrow oer 80%, however there are some lender which waive LMI for certain professions at loans up to 90%, including refinancing.

These professions include:
Medical doctors
Pharmacists
Dentists
Vets
Accountants -CA or CPA qualified
Lawyers
Engineers
Quantity surveyors

Seems straight forward to me.

What is it you are asking?

Property A could be exempt uder s118-145.

You should do 2 things:
1) pay at the end,
2) get a personal guarantee from the architect.

If the architect company does down you will be an unsecured creditor. Same if the architect is an indvidual. No use in engaging a debt collector generally. If you received money back it would be a preference payment and subject to clawback by the liquidator or trustee in bankruptcy.

I am a finance broker so I can look at their policies!

Depends on the bank and the LVR, location of property and owner etc.

Some banks Yes. I’ve just done one with ANZ.