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:confused: I still can't quite get my head around this because I've been to the land titles website and tried my own title search. It says "Mortgage to ANZ...." but apart from the name of the lender there was no mention of the loan amount. How does a creditor know how much you owe on the...

If I understand this correctly there is no more actual money borrowed against your PPOR. All you are doing is displaying a higher loan figure on the property title than you have actually borrowed. As in the earlier example the title would say you have a loan for $500K on your PPOR when in fact...

Thanks tubs. Is this principle the same if the new $300K loan is in your own name (secured against a new IP held in a hybrid trust) with the $300K borrowings used to buy income units in the trust? Are you still able to over-stamp the mortgage on your existing PPOR?

Anyone????

I am very interested in this idea. Is there any way of going into debt to your trust without physically taking the money from the trust? The trust would need a lot of spare cash laying around to lend you the equivalent of the remaining equity. On the paperwork side, how would the trust...