Thanks Terry & Margaret,

Would the full stamp duty apply, or just the pro-rata portion? Say 60k/300k = 20%, therefore only 20% of the regular full sale transaction stamp duty applies by placing 3 additional names on the title (mum = 80%, child1 = 6.67%, child2 = 6.67%, child3 = 6.67%) ? Wishful thinking?

Secondly, the agreement idea sounds good, more specifically, what kind of an agreement, and who could draw it up for us at a reasonable cost? How does a caveat get placed on the title?

Thirdly, refinancing in this case (i think) may not help that much as the original loan was in the order of 80k, so the difference in repayments would not be as substantial as we are looking for (getting rid of them alltogether for her).

Thanks for taking the time, we appreciate it!

Regards, Andrew & Tania.
[exhappy]