Combining finances once married

Offset accounts need to be in the exact same names as the loan is not. There are no direct tax issues with putting money into a joint offset as this doesn't change deductibility of interest. Its who the bills relate to that matter.

But where a property is held jointly and offset money all jointly in that offset you won't have access to all the strategies such as lending money to each other and claiming the interest.

 

People do different things, it won't really matter that much, your incomes will be documented, once you have the money you can put it in ones offset, or a combined one, you will have to work out which one will give you both the most benefit, if your home is in joint names, it will probably go into that offset or loan account.

Why not go sit with whomever will do your tax ?