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Also Terry, What do you mean with "asset protection on death" ? Do you need to do anything specific is the scenario where the PPOR of the parent is fully paid off. Rgds

HI, Does the Will specifically have to say 'Gift' or could it just say all assets (Properties and cash) are to be passed on to your child. Sorry wanna get this right so the beneficiary does not end up having to pay any duty, tax or CGT. Rgds