So my dad wants to buy IP property that he eventually inherit it to my brother and let my bro live in it as PPR. The ultimate goal is to have this property under my bro's name and service the loan himself. Looking at current situation, bro cannot service the loan, his job is unstable at the moment, no way he can get a loan. How can this transaction be structured so that when change of ownership from dad to bro doesn't incur too much fees such as stamp duty? Is there anyway around this, perhaps trust?