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I've written a couple. In each case between siblings purchasing their first property jointly. They've done it this way because it somewhat reduces their exposure to each other when they purchase separately in the future (which they probably will sooner or later). That is assuming the...

The property share policy with the CBA is a great idea (although I don't know if it's really helpful in this instance). I'm yet to determine if other lenders are accepting of it, although I can't see why they shouldn't be. My only real annoyance with it is that the CBA doubles up on the...

Actually a trust can work quite well. We've disclosed all the income and liabilities of the trust and the lenders simply take it at face value that it's all going to one entity - the trust. You don't quite disclose everything, but I've never had a lender ask me for a trust deed that they...

Say each person has the ability to finance up to $500k or property each as an individual, then between them they could finance $1M of property. Their individual limits are now completely used up. If they then borrow jointly, they'd be able to borrow roughly another $400k as a couple, which...

If you want to maximise your serviceability, for a husband and wife you simply apply for loans jointly. If you try to purchase jointly and later as individuals, you'll run into the same problems you've initially identified. Since the two are married, both don't need to be on the title, but...

Joint Tenants or Tennants in Common makes no difference from a finance perspective (although there are some legal consequences). The only way to get around the limited rental income and full debt exposure is to not hold property jointly, or to purchase every property (now and in the future)...