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Its great that your thinking about future properties and how it works before making this purchase. It doesnt matter to the lender what % of tenants in common you are. It might be important in other areas (tax for instance). You dont have to buy in common for this or future properties...

Your the lawyer Terry, perhaps unit wasnt the best description. I was referring to holding assets jointly, having special exemptions for taxes, stamp duties and other dealings with government etc.

the legal system recognises married couples as a unit, so why would you expect the financial system to be any diferent? theres lots of advantages to being married, this issue isnt such a disadvantage. As Terry said, there are some lenders who dont calculate the full amount owing, but in...

1. yes 2. not usually, and the bank see you both as liable for the full debt regardless what percentage you own. 3. as above, you cant part own a loan, you are in for the whole lot. When you go for an investment loan, your income and expenses will be calculated along with the current...

non deductable burden? You mean that down the track you would like to purchase investment properties in just one name, and leave the others liabilities off the home loan appication? This is possible with some lenders, but in practice, its not a great idea. Banks limit your...