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Tax on $90k would be approx $22,597 so it doesn't really look right.

I don't know if that is correct or not. I haven't dealt with a first home owner in years. Structure doesn't necessarily mean a trust - how will you structure things in individual names: Sole - you - spouse joint - TIC. - equal shares - unequal shares -JT Deposit - who...

You haven't mentioned a thing about structure - just a list of expenses. What is the first home grant of $36k you mention? If you qualify for a grant it may be that you will need to live in the property to get this?? Whether the expenses listed are deductible will depend on how it is all...