The structure used to hold a property determines legal ownership, how income and capital gains are treated for tax purposes, and what happens to the asset when circumstances change. The following descriptions are based on publicly available information from the Australian Taxation Office (ATO) and ASIC's Moneysmart website. Each structure should be assessed in the context of your own situation by a qualified professional.
★ OursYours Platform — Featured Structure
The Own Together Pathway — Ours
A pre-built unit trust structure coordinated through OursYours. Enter from 5%. No mortgage required. No group needed upfront.
The Own Together pathway uses a unit trust structure — as defined by Moneysmart: "a legal structure that holds assets for the benefit of unit holders." Rather than arranging a unit trust independently, the OursYours platform provides the structure pre-built and coordinates the verified professionals required to establish and maintain it. The platform is infrastructure — all legal, tax, and structural advice is provided by independently engaged verified professionals.
Choose your stake
Select the property and your ownership percentage — from 5% upward. The platform coordinates the collective. No need to find co-investors before committing.
Structure established
The unit trust, corporate trustee, and governance framework are established by the OursYours legal panel. Stakes, income distribution rules, and exit provisions are defined before capital is committed.
Own with visibility
Your dashboard shows your holding, proportional income, co-unit-holders, documents, and milestones for the life of your ownership. Exit via the Resale Board — sell your units without requiring the whole property to sell.
What's coordinated through the Ours platform
Unit Trust Deed
A legal document setting out the rules and terms of the trust — drafted by the OursYours legal panel and reviewed by your engaged solicitor.
Corporate Trustee
An independent corporate trustee is established per scheme to hold and administer the trust property for the benefit of unit holders.
Defined Governance
Decision-making, income distribution, and exit provisions are set out in the trust deed before any capital is committed.
Proportional Rental Income
Distributed to unit holders in proportion to their unit holdings. Transparent, automated, and audit-ready.
Resale Board Access
Sell your units without requiring the whole property to sell. Secondary market liquidity without forcing co-owners to exit.
SMSF Compatibility
Structured to meet the conditions for SMSF investment where applicable. Always seek specific SMSF advice from your auditor and accountant before proceeding.
Verified Professionals
Solicitor, conveyancer, accountant, property manager, and strata manager — all coordinated through the platform at standard fees.
Permanent Dashboard
Your holding, income, documents, and action items in one place — for the life of your ownership. The dashboard doesn't close at settlement.
How it compares to a self-arranged unit trust
| What you need | Self-Arranged | OursYours — Ours |
|---|---|---|
| Trust deed | Engage solicitor — cost, time, negotiation | Pre-built, legally reviewed, included |
| Corporate trustee | Establish separately — ongoing annual cost | Included per scheme |
| Co-investor sourcing | Find your own group before proceeding | Platform-formed collectives — no group needed |
| Governance framework | Negotiate between owners — often informal | Pre-defined before any capital committed |
| Professional coordination | Manage each professional separately | Coordinated through one platform |
| Exit mechanism | Sell property or negotiate private transfer | Resale Board — stake sold without property sale |
| Ownership visibility | Spreadsheets and email threads | Permanent owner dashboard |
| Cost to owner | Legal, trustee, accounting — all separate, ongoing | Free for owners — always |
Important: The OursYours unit trust structure does not constitute a managed investment scheme, financial product, or financial advice. OursYours is infrastructure — the legal, tax, and structural advice is provided by independently verified professionals engaged directly by you. The platform's current focus is strata residential and commercial property in Australia, where individual lot values typically sit below landholder duty thresholds. Seek independent legal advice specific to your state, property type, and personal circumstances before committing capital. SMSF trustees bear personal liability for non-compliant investments — always obtain specific SMSF advice from your auditor and accountant before proceeding.
A note on SMSF ownership
Self-Managed Superannuation Funds
SMSFs can hold property directly or via certain trust structures, subject to strict conditions under the Superannuation Industry (Supervision) Act 1993. The key requirements are the sole purpose test, related party rules, and — if borrowing — limited recourse borrowing arrangement (LRBA) conditions. The OursYours Ours pathway is structured to be compatible with SMSF investment under the right conditions, but SMSF trustees bear personal liability for non-compliant investments. Speak to your SMSF auditor and accountant before proceeding. This is not SMSF advice.
Sources
Which structure suits you?
There is no universally correct answer — the right structure depends on your tax position, co-ownership arrangements, estate planning goals, and financing approach.
Not sure which structure suits you?
Speak to a verified professional through OursYours — or explore the Own Together pathway.
OursYours is property ownership infrastructure, not a financial adviser, fund manager, or managed investment scheme. All legal, tax, and structural advice is provided by independently verified professionals engaged directly by you. OursYours does not hold an Australian Financial Services (AFS) licence.