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+1, this is a complex one that mixes in CGT, tax, structuring. Terry's the expert. Specific advice is probably necessary in this case. Cheers, Redom

Heya, I'm not a tax expert, but here's my 2c. I think the transfer of ownership of the title will cause a CGT event. Basically means you'll pay CGT on any gain made between the market price of the property today and what your mum paid for it. In terms of the loan, set it up as per...