Hi all, just stumbled on this forum and blown away by how much great info on here, think I'll be visiting a lot in future. Quick question - apologies if answered elsewhere or if the answer should be obvious, I'm quite new to this and having trouble getting my head around it. Our PPOR is in my name only, and we have an IP in my wife's name only. My wife is earning below the tax-free threshold currently (has been mostly a stay at home mum for the last 2-3 years and this is likely to be the case for the next couple also) so we're not offsetting the loss we're incurring on the IP (roughly $10k/year, with depreciation) against any tax. We're looking to buy a new PPOR in the near future and convert current PPOR (in my name) to be another IP. It seems that transferring the IP in my wife's name into joint names is fraught with danger (from what I've read elsewhere on here), so I'm wondering if there's anything else we can do to minimise the 'wasted' investment expenses against my wife's property and maximise expenses against my property? Or are we stuck with the current arrangements, and just need to make sure that we maximise deductibility for the current soon-to-be-IP (and any future) properties?