| # | Path | Duty Saved | Time |
|---|---|---|---|
| 1 | Love & Affection (VIC) | $0 | 14 days |
| 2 | Transfer on Death (QLD) | $0 | 48 hrs |
| 3 | Family Trust | $0 | 7 days |
| 4 | Spouse Transfer | $0 | 3 days |
| 5 | Deceased Estate | $0 | 21 days |
Jump to Any Path
1
Path 1: Love & Affection (VIC) – $0 Duty
Save $66,000 on $1.2M house
Forms:
• Form T1 – Transfer by Love & Affection
• 100-point ID for parent + child
• Statutory declaration: “No money changed hands”
• Form T1 – Transfer by Love & Affection
• 100-point ID for parent + child
• Statutory declaration: “No money changed hands”
48-Hour Checklist:
Day 1 → Sign T1 + stat dec
Day 2 → Lodge online + $145 fee
Day 14 → Title in child’s name
Day 1 → Sign T1 + stat dec
Day 2 → Lodge online + $145 fee
Day 14 → Title in child’s name
2
Path 2: Transfer on Death (QLD) – Skip Probate
Save $25,000 legal + 12 months
48-Hour Express:
9 am → Lodge + death cert + will
2 pm → Title updated
9 am → Lodge + death cert + will
2 pm → Title updated
3
Path 3: Family Trust – Asset Protection
Save $0 duty + shield from divorce
Steps:
1. Setup discretionary trust ($900)
2. Transfer land → trust (exempt)
3. Kids = beneficiaries
1. Setup discretionary trust ($900)
2. Transfer land → trust (exempt)
3. Kids = beneficiaries
4
Path 4: Spouse Transfer – 3 Days Flat
$0 duty + $0 CGT
Email to SRO:
“Spouse transfer – marriage cert attached” → auto-approved
“Spouse transfer – marriage cert attached” → auto-approved
5
Path 5: Deceased Estate – Grandkids Inherit
$0 duty for lineal descendants
Form 08TA + probate → 21 days
X
3 Tax Traps That Cost $28K
- CGT: Gift = market value sale → $42K tax (unless main residence)
- Centrelink: Gifting >$10K/year = 5-year clawback
- Land Tax: Trust surcharge 2.25% (VIC)
Hand Over the Keys Tax-Free
Download the FREE Family Transfer Kit – 7 fill-in forms, 5 emails, 3 tax-trap dodgers, fridge checklist.
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