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In this episode, Stuart breaks down the key factors to consider when owning property in your personal name. While it is the most common structure among investors, there are important decisions to make that can have a lasting impact on your tax outcomes, cash flow, and asset protection.

He outlines the three main ownership options: sole ownership, joint ownership, and tenants-in-common. Each structure comes with its own benefits. For example, sole ownership may maximise negative gearing if one spouse has a higher income, while a tenants-in-common split can be tailored for tax efficiency and cash management.

Stuart also explains how ownership affects land tax thresholds, capital gains tax, and estate planning. He shares strategies using offset accounts to optimise loan structure, particularly for couples with uneven incomes.

When it comes to your family home, Stuart covers when asset protection or future investment use might influence how it should be owned.

The key takeaway is that changing ownership after purchase is usually expensive and triggers stamp duty or CGT, so it is essential to get it right from the start.

If you are planning to buy property soon, this episode will help you choose the best ownership structure for both current and future circumstances.

Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.