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 on both our names have any effect on our future borrowing capacity? or should I insist on taking the loan in my name only? The loan in question is not huge (only around 250k).