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Thanks for the replies - I had expected the worst. Should we turn this PPOR into an IP, I had real concerns about leaving it in our personal names anyway. I don't "expect" to be sued, but when you do all your business with folks from the US of A you can never be too sure. If there is one...

I know there are 1000's of threads on PPOR to IP, but I couldn't find one that fitted our circumstances. We purchased our current PPOR 5 years ago and had a loan for $280K, value at the time was $500K. Loan was P&I with Redraw, no offset account. We paid off the loan about 12 months ago and...