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Victorian government has passed the new penalty land tax system for trusts. Is it still worth to set up a hybrid discretionary trust to invest properties in Victoria? :confused: http://www.theage.com.au/news/business/new-land-tax-penalties-for-trusts/2005/12/08/1133829720781.html

I had borrowed more than 80% from Westpac to purchase an IP this year, and took a Lenders Mortgage Insurance (LMI). 5 months later, I refinanced it to ANZ bank. I have requested the refund of Mortgage Insurance from Westpac. Now I have received the LMI premium from Westpac. They only pay...