Totally forgot about CGT, thank you for that. From what I was understanding in the book is that if i have a property in my own name then try and use my income as () through a trust structure, then I can only still borrow up to my credit limit regardless of how many trusts i have or how it’s structured. Whereas if I have my current home in a Trust then that debt would only count against my lending for that one bank I have the mortgage through and not through other banks. So for example now i have a $300,000 dollar mortgage, and they will only let me borrow up to 560k then i only have 260k to play with no matter what bank I go with or what structure I have, But if this loan was in a trust then i could go to another bank and buy through the trust up to the full amount of 560k?? is that right?

My goal is to buy and develop land around Perth and make lump sum profits so that i can borrow again and acquire positive cashflow properties and in 5-7 years be fully dependent on the income from the properties. I work away from home and am looking to start a family soon with my partner so i want be able to stay home with her and the kids.