So no dice for change of names in NSW from joint to only one of the persons without duty & probably issues with the loans and deductibles too. Better to sell to partner and re finance maybe. What effect or negatives are there if a lender requires both to be on loan, but you buy in only one persons name, can all the loan interest be deducted ? or does it need to be noted in loan that one is only a guarantor ... The NSW system of treating all as "purchaser" is a real bugger, sometimes I really do wish these things were standard, but wait, then they would all choose to do as the ACT does !