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Choosing the right ownership structure

Before signing on the dotted line, it’s worth taking professional advice from your tax adviser and legal agent. They can help you work out the most suitable ownership structure for your investment property.

Owning investment property in a single name

Some general advantages:

  • You get to make all the loan and property decisions
  • Option to have multiple accounts under one loan, each with their own offset.

Some general considerations:

  • You’re solely responsible for the loan repayments
  • Only you have access to your loan accounts and any linked offsets
  • Ownership structure could be different from the loan structure: chat with a lender and your tax adviser.

Ask about your tailored rate

One conversation could save you 1000s

Book an appointment about our sweet rates, or start applying online and a lender will be in touch. They can tailor a variable investor rate with offset, just for you and your co-owners.

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Can I buy a house in my child's name?

Depending on your personal circumstances, buying property in your adult child's name could provide a form of asset protection. First, seek professional advice from your tax adviser and lawyer on tax effectiveness and working out the correct ownership structure. 

What’s the difference between ‘joint tenants’ and ‘tenants in common’?

Joint investment property ownership is where two or more people buy a property together, and have their names on the title. Talk with your tax adviser and legal agent about the Land Tax, Income Tax and Capital Gains Tax differences.

  • Joint tenancy shares equal ownership of the property with others, and is common among married couples. When one dies, the surviving tenant assumes full ownership.
  • Tenancy in common shares ownership (it doesn’t have to be equal shares) of the property based on a legal agreement, with ownership then distributed according to each person's will. 

Can being in a de facto relationship affect property ownership?

Depending on the state or territory, if someone individually owns property, their de facto partner may be able to claim ownership of a portion of the property if the relationship ends. To find out more, seek legal advice and refer to the Government de facto property regime .

Things you should know

Conditions, credit criteria, fees and charges apply. Residential lending is not available for Non-Australian Resident borrowers.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information and if necessary, seek appropriate professional advice. This includes any tax consequences arising from any promotions for investors and customers should seek independent, professional tax advice on any taxation matters before making a decision based on this information.

Key Fact Sheet for Home Loans


Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.