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Many thanks Kristine and other people for the helpful comments. In the end decided to go joint tenancy and both names on loan. Cheers

Sorry for dumb question but.. Suppose husband and wife buy an IP as joint tenants. If negatively geared then 1/2 of loss is deducted from gross salary by both. Do they have to have taken out the loan in joint names for this to occur. What if the loan is only in the husband's name? Thanks