I am in the process of purchasing a property and I have a friend who is interested in partnering the purchase with me. But the problem, he is only investing the capital (say 20%) and wants just 20% of the share. With me borrowing the remaining 80% under my name. The question is, how would the bank see this? With say a tenant in common purchase with two names (me & my friend) but only one borrower? Would they allow it? If things do go belly up, will the bank only seek the 80% and not the 20% held by my friend? The reason why my friend won't borrow is because he is a foreign national and can't borrow at the moment in AU. Any advice would be great!