I've read the tax tips on this but I don't know if I've completely understood a few points: I've just bought a property with my partner and it would qualify as a spouse but we put the house 100% in her name and the loan in both names. We are now in a situation where I am likely going to need to transfer the house 100% into my name. So I know that there is a stamp duty exemption and it is PPOR which we've owned for a whole two weeks so there is no CGT. I'm wondering if the loan (which will just remain in both names and be serviced by me) will become a tax deduction for me in the future? I will refinance before I ever move out and turn it into an IP but since I never actually "purchased" the property in my name, am I screwed or can I claim the interest in the future? Also, I know that there will be fees from the titles office to change the rates, etc. and the bank will likely need to change their mortgage on the property to my name but are there other hidden fees? This is not an ideal situation and not exactly a choice so I'm just trying to minimize future issues.