Need advice please! 16 years ago my husband's parents bought a property for him to live in. Unfortunately when they purchased it they did not put my husband's name on the title. They used half super and half loan for the purchase. My husband and I have lived in it together for 10 years and have 3 children. We were of the belief that the rent we were paying was going toward paying off the loan and the house would eventually be ours. Over the years we have well and truly paid off the amount of super his father initially put in. We would now like to move as the house is too small for us but have discovered a myriad of problems due to the house being in his parents' name and a lot of centrelink/pension issues in what we can do. The parents currently receive the full pension and have not been paying off the loan as first thought as it is more beneficial for them to keep the loan against the house so they can keep the full pension. They can't transfer the title or gift the house as that will affect their pension for the next 5 years. We can't afford to buy the property at full market value which would not affect their pension. There would be a CGT of approx $80,000 We can't borrow against the house as it is not in our name. They can't sell it to us for less than market value as it would affect their pension. We are concerned that as they are ageing and if they might need to enter an aged care facility that our house would need to be sold to pay for it which would leave us with nothing. These are just a few of the problems we are facing and have seen two accountants that couldn't find a solution. Any advice would be greatly appreciated.