Usually all on title to a property must go on the loans - not a legal requirement but a lender requirement. But there are instances where this won’t necessarily be the case. Such as the PPOR in the husband’s name, a line of credit (LOC) set up secured by the PPOR and only in the name of the husband. The LOC is used to pay cash for an investment property. e.g. Husband and Wife buy a rental property 50/50 for $200,000. Husband provides the cash from his LOC. The LOC loan is in his name only. 50% of the interest on the LOC will be deductible to the husband and 50% to the wife. There are exceptions for trust relationships and where partnerships are involved. Authority: Taxation Ruling TR 93/32 states in paragraph 6 that the income/loss from a rental property generally must be shared according to the legal interest of the owners PBR Authorisation Number: 1011592189419 https://www.ato.gov.au/rba/content/?ffi=/misc/rba/content/1011592189419.htm PBRs cannot be relied upon.