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Thanks for the replies. Makes things clearer. I will try to go for mortgage in my name only if I can.

So as long as both of us purchase another property together in the future, there won't be any problem. Am I correct in understanding that?

I am planning to buy an investment property and approached a mortgage broker. I am technically self-employed with a very stable rolling contract and my wife is full-time. My mortgage broker is asking both of us to jointly apply for a loan while the property will be in my name. Does having a loan...