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Waaaaiit.... So i can max borrow 85% of the loan neeeded, she will need to supplement 15%. Will we still be able to put the title in her name 99% as tenants in common??

Other structures...like trusts? Okay one more question: Say we are both currently working. My income is going to be sporadic in the future, partners will be large. Say we are buying a house that will be our PPOR for 5 years then will be rented out. Aim for all our properties will be buy...

So question, does it matter wat % we put for the tenants in common then? If they will consider the whole loan to each of us anyway? If we were to purchase a further property, would we just buy in common again? How do they calculate how much we can borrow? Also, we're not quite married...

Okay, thanks guys! Bit crappy that they include the whole loan amount in calculating remaining capacity! Not really anyway around this is there, unless she buys the PPOR solely in her name too i guess

Hrmm I think I haven't been clear. Basically i will not be working consistently in the future, so i want the least amounts of IP $ in my name because our costs wont be deductible. We also need to buy a PPOR, so i figure, i want to use my loan capacity for this. However, i cannot afford the...

I meant solely for tax purposes, not protection and other benefits, which option would provide me with most of the non deductible burden? Am i allowed to put both our names on the contract with the bank, but only my name on the title? I read somewhere that was possible in marriage? Nope...

So, the fiancee earns more than me and will be working consistently and training in the future. I earn a little less but will work a bit more sporadically in the future. Both secure jobs. We have a negatively geared IP solely in my partners name. Looking to buy a PPOR, hopefully in my name to...