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I am sure that they wouldn't let you purchase in any structure except your own name. You've been on this forum to long :D and have forgoten how the majority of people buy property. Buy in their own name and aim to pay of the property before they retire, the old 'own my own house' :rolleyes...

If you project the abritary figures then the longer you don't sell the large the interest % they get in the end. 20 years property worth $800k cap gain $600k their cut $240k effective interest $12pa 30% pa interest. 30 years $1.6 mil cap gain $1.4 their cut $560k effecive interest $18.6k...

The loan is only for 'up to 20%' of the value of the property. For this you will give away 40% of the future capital gain. This may sound OK today but when in 10 years you go to sell it will really hurt. Say property worth $200k pay interest on 160k at 7% $11200pa plus all the other expenses...