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is the property in mentone? go and see a decent broker they will get it through in your name only or 99% to u and 1% ur mum ditch the branch and westpac there are many ways to skin a cat but by dealing with a branch muppett u r using a blunt knife

u should be able to get this 99%/1% will make the transfer costs, capital gains and stamp duty insignificant i would suggest avoiding cba for this transaction