Hi – 

are you suggesting that I look at forming another trust ie property in addition to the family trust already existing? I have investigated both and understand that banks do not look favourably at loaning out further money for investments if pptys are in trust. Also, the title office will not settle if ppty is in trust (I'm in melbourne and settlement is in July). 

I don't have enough in smsf to even consider a deposit to the ppty 20k under to be precise. My main goal is tax benefits and asset protection in that order. Any ideas on what structure (company,  individual -spouse or PIT,family trust ) would be truly helpful. Not really willing to spend 3000  again for financial advice to be told again that its really my choice and have already told me what I know! )