Mortgage Brokers - single or joint names?

No. Getting another in a single name after you've done stuff in joint names can be a massive problem.

Hence my original comments:
* You can start by doing things separately, but as you get close to individual limits, you can do things jointly to extend everything a little further.
* Once you do start doing things jointly, be prepared to keep doing it that way forever.

 

Joint loans is fine.
Wondering about 1 name on the actual contract as well.

 

Do all banks do this when you purchase a property in your own name when you already have properties & loans in joint names? I mean, assess the full debt (existing)at assessed rates (circa 7.5% i believe) and generally 1/2 of the assessable rental income (circa 75%), effectively only using 37.5% of rental income? Would they then assess your cost of living as a "couple" or treat you as a "single" (provided you live with your partner). I can see why they would do this

 

One or two lenders will assess borrowers on their 'share' of the other debts they have. You will still be assessed as married/defacto unless you are not. But some lenders can assess you on their single living expense if your spouse is self supporting.