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Jason no doubt this subject was discussed at length in other threads but I thought the ATO ruled against the practise you refer to after split loans first took off. what do you mean "only paying the interest on the loan from our cash". Richard

robyne this is news to me....i am not aware of the constraints to selling property in individuals name to a family trust so i am unable to comment...i would be very interetsed if anyone else can clarify this ? richard

quoll i'm with Peter...why not sell to family trust..allowing you to keep the properties (and good tennats) in your portfolio, refinance at above market value and put the proceeds inot PPOR loan. i did this and now have four ip's in FT and no non deductible debt!! Richard