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At risk of getting back on topic... Registering a second mortgage or transferring the loan doesn't change ownership. This requires transfer of title. This would incur stamp duty (and potentially CGT and loan break costs) as there are no "love and affection" rules in Qld. If you don't...

CBA doesn't own 80% of your IPs. They are owed a $ amount equivalent to the current value of 80% of your IPs. That's a very important difference.