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The simple approach is to consider two things. Will the property be positive or negatively geared once it becomes an IP? If negative, then it's ideal to have ownership (or the majority portion) in the highest income earners name. If positively geared - than it's ideal to have ownership...

Hi there Talk to an accountant about the ownership split/structure. In terms of the loan. I'd set it up as interest only with an offset rather than P&I. You want to avoid paying down the principle on the loan if it's going to become an investment property in the future. Instead, utilise...