Cross-Guarantee Family Loan: Tax + Liability Trade-Off
A cross-guarantee family loan lets parents use property to support a child's mortgage, but joint liability and ATO tax rules on guarantee fees, CGT and debt forgiveness reshape the deal.
Cross-Collateralisation: Why It's Almost Always a Bad Idea
Cross-collateralisation home loans lock in borrowers, cripple refinancing and trigger unintended tax consequences. This deep-dive explains why the structure is almost always a bad idea for Australian mortgagors.