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This doesn't surprise me at all. Good to know though.

How, surely the banks check ownerships of other properties etc during the application review process?

1) Some banks are OK with this, but there may not be many banks willing to do this in the near future. AMP is now a no-go for example, effective 18 May. 2) Maybe some sort of trust? I know nothing about trusts but maybe there's a way to structure it.

I see. But if it's two separate individuals (business partners) it would make no difference right.

Yes makes sense. It balances out as long as it's the other way around - by themselves at first, then joint thereafter. If it's the opposite, then they may struggle to get loans by themselves. All clear now.

Ah I see, because 4 properties held by 2 people is the same as 2 people each holding 2 properties. So from a lending perspective it evens out. I suppose it would be ok to buy some properties separately as long as it was balanced, e.g. Person A - owned 1 property exclusively, and 3 shared with...

So for married couples it's recommended that it just goes under one of their names?

So what does your run of the mill husband and wife purchase fall under. Isn't it still one of the two? Or is it a different structure?

So in a relatively simple scenario, would Joint Tenants or Tenants in Common be preferable from a financing perspective?