PPOR in my name and I work in profession at high risk of litigation. A small amount is left to pay off the mortgage. Planning for wife to take out loan and transfer the property into her name. Question: is there anything else that can be done to help protect the property during the four-year claw back period after it's transferred? Is she better off applying for a larger loan than necessary, then parking the difference in an offset (or redraw)? Or does it change anything to pay down her loan over time but a keep a nominal amount so that it appear encumbered to creditors? Something else I'm missing?