Hey Richard, thanks for the response!

Didn’t realise that i’m still eligible for the FHOG given that any property I have purchased I haven’t occupied at all, that’s sweet [smiling] Yep I’m in Vic! [thumbsupanim]

As an option you suggested switching the property into the trust at a later date given I went for the FHOG initially with the property. Doesn’t this mean I would be subject to the CGT and all the other fees, from what I know it’s pretty much like selling the property? You also mentioned it’s subject to stamp duty, does that I would have to repay another stamp duty fee?

Your suggestion to put as little into the deposit as possible, is this to maximise the leverage component of loan? I somewhat remember been explained this concept, and it definately sounded good! I was actually thinking of putting a 10% deposit , I heard any lower and the insurance becomes quite high?

Thanks again Richard!
Aaron