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You're getting the CIP as a gift and you're still worried about the stamp duty? :eek:

Devil's advocate - if you purchase it at market say $850k, are they going to pay you market rent? or if it is gifted, are they expecting rent free for the next 5 years? Possible 3rd strategy, partial transfer to smsf and part to you or part parents? 4th option - sell % to you and % gifted