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Correct. Due to x-coll and TIC, we're sharing debt and serviceability measurements - we're a team! - but the tax deductions are obviously according to ownership %age. This locks us in to our current lender, but means that access equity for the "next one" should be relatively painless...

OK, maybe I should have phrased that as "want to have done it differently" Not sure if we could have and maybe we just need to appreciate where we are and work out how to unravel it when the time comes. We each had 1 IP when married, then bought 1 jointly soon after prior to PPOR. Only way to...

Yes, this is us. For better or worse! :D If I had the chance to go back and do it again, I'd do it a little differently, coz even for the IPs in 1 name, we had to go TIC 1%/99% due to a combination of servicability and security requirements. Our x-coll is a mess and we'll definitely be trying...