Thanks Richard. But accumulating a set of investment properties for wealth is surely a good strategy is it not? I guess my wife and I would like to have choices when we retire.

In regards to your second sentence are you saying that even though you get all the tax benefits and deductions now the ATO take back a share when you sell through capital gains (i.e the cant have your cake and eat it as well!)

Thanks Michelle,

I have pretty much decided that I will not be going through an investment company such as Custodian but rather deal with a builder myself. I have found one here in Brisbane who seems ok and he pretty much said the same things you are saying. I think the only reason I was looking at Custodian was because I wasn't educated enough but as I learn more I feel confident to do it myself

Thanks Richard,

I am ok with the loan structure. I was thinking more about advise on how to structure ownership (e.g might be 75% me 25% wife) to maximise tax benefits, reduce CGT etc and to also provide a model to calculate potential cash flow impacts of properties we are interested in? Or are you suggesting we see the accountant after looking or wanting to purchase a property to discuss these impacts. I guess I would be keen to see what the "gap" is so to speak (if any) and what impacts this will have on cash flow