19 Ridgewell Street
Thirroul NSW 2515
- State
- New South Wales
- Price
- $845,000
- Buyers
- Two, married
- Super
- $402,000 combined
- Lending
- Limited recourse, 60%
- Rent
- Covers the loan from year one
- Priority
- Retirement, long hold
Know how to hold it before you sign.
Struxr reads your situation against Australian property rules, state by state, and returns the structure to buy in.
This board is a worked example, not a customer.
A self-managed super fund. Rent taxed at 15% inside super, and NSW leaves a complying fund the land tax threshold a discretionary trust would lose. The trade is visible, not buried: limited recourse borrowing only, and nobody related to you can live in it.
- CthSIS Act 1993, s 67ALimited recourse borrowing only
- CthSIS Act 1993, s 62Sole purpose: retirement benefits
- NSWLand Tax Management Act 1956Complying fund keeps the threshold
Change the state. Change the answer.
Same buyers, same price, one discretionary trust. Assessed three ways.
No threshold
A special trust. Land tax from the first dollar of land value, no threshold at all.
- NSWLand Tax Management Act 1956Special trust, threshold withheld
Surcharge rate
Surcharge rates, on a threshold lower than an individual receives.
- VICLand Tax Act 2005Trust surcharge rates apply
Assessed apart
The trustee is assessed separately, on the lower of the two thresholds.
- QLDLand Tax Act 2010Trustee assessed in its own right
Struxr holds these rules per state. When one changes, the recommendation changes with it.
Five ways to hold it.
Every one is right for someone. None is right for everyone.
Personal names
Works when
One property, income offset against your salary.
Breaks when
Land stacks onto your own threshold. The asset sits in your name if anything goes wrong.
- NSWLand Tax Management Act 1956One threshold across everything you own
Company
Works when
Income taxed at a flat rate, kept inside the entity.
Breaks when
No capital gains tax discount when you sell.
- CthITAA 1997, Div 115Discount capital gains exclude companies
Unit trust
Works when
Fixed shares between parties who are not one family.
Breaks when
Entitlements fixed at the start. Income cannot be redirected later.
- DeedUnit trust deedEntitlements fixed by the units on issue
Discretionary trust
Works when
Asset protection, and income directed differently year to year.
Breaks when
Losses are trapped inside the trust, and NSW gives it no land tax threshold.
- CthITAA 1936, Sch 2FTrust losses held inside the trust
SMSF
Works when
Buying inside super and holding it long. Rent taxed at 15%, not at your rate.
Breaks when
Borrowing is limited recourse only. Nobody related to you can live in it.
- CthSIS Act 1993, s 67ALimited recourse borrowing only
What comes off the board.
A structure you understand is worth nothing without the instrument that puts it in place. Both are here.
- The conversation
- Seven core questions, seven optional. The next one depends on your last answer.
- The recommendation
- Against a fixed schema, never free text, always with the reasoning in plain English. Generated by Claude on Amazon Bedrock.
- The documents
- Trust deeds, company setups, SMSF deeds. Property instruments, not generic templates. Fulfilled through Acis.
- Document analysis
- Upload a deed or contract you already have. Risks come back flagged, with what to fix.
- The advisor
- Verified accountants and lawyers with real availability, for what the rules cannot settle.
- The account
- Two-factor authentication on every account, mandatory, not opt-in.
Where a person signs.
Every document template on the platform is drafted and reviewed by Australian property lawyers, and revised when the law behind it moves.
When your situation runs past what the rules can settle, Struxr says so and books you a verified accountant or lawyer. Starting without one is the point of this product. Finishing without one is not always possible.
Struxr provides documents and general information. It is not legal or financial advice.
Tell it your situation.
Struxr is pre-launch. Email us and we will walk it through on the property you are actually buying.
Your address
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- Price
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- Buyers
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