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yep.... and many stories of regret - especially when you live in a property and want to rent it our later. The Y-man

Just lets you split ownership and income in different proportions other than 50/50 Ok, good - at least it shows you can both save. Maybe some forumites can PM you with suggestions. P&I - kills your serviceability, locks up capital. Offset - useful to avoid contaminating your loans...

Yes, your broker can set up IO with offset (so it acts like a P&I but won't stuff up your taxes later. If your broker says "go for principal interest", seek other advice IMMEDIATELY (there may be good reasons - but it would have to be related to ultra low income or some such) The Y-man

That's about 80% of it. Ask for referrals here, attend local somersoft meetups (for free). The Y-man

Maybe, maybe not - hard to say. Did she contribute to saving for the deposit? The Y-man

Talk to an accountant - BEFORE you sign for property. Can do tenants in common instead of a 50/50 joint ownership. Maybe not worry about it for now - but they are means of asset protection and easier to pass property on if you die. More important to set up finances properly (so find out...

Books by the owners of this forum! http://www.somersoft.com.au/books.htm The Y-man