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Here is an example of how jjoint owners are assessed http://www.osr.nsw.gov.au/sites/default/files/file_manager/ofs_lt06.pdf

Here is the answer http://www.austlii.edu.au/au/legis/nsw/consol_act/ltma1956173/s27.html Joint owners are assessed as if they are one owner. Each owner is then assessed separately

Can't be bothered - do a search.

It doesn't work like this.