Tax and legal advice

Should a real estate title be in one person’s name only?

By Bianca Dabu
property ownership, property ownership search, how to find property ownership, real estate, title

Budding property investors or homeowners often need two people’s serviceability to finance their property purchase, but is it wise to put an asset’s title in the name of more than one person?

Keshab Chartered Accountants’ Munzurul Khan said that one of the most common questions he receives from property investors is: "My bank [says that] we need to have both [me and] my partner's name in terms of the mortgage ... [Since] we both need to be on the mortgage as part of the loan, [do] we also need to be on the title?”

The simple solution: Study your current financial situation as well as your goals, capabilities, limitations as a property investor.

According to him, you can choose to put the title in your name, your partner’s name, or even both of your names on the title—whichever you think will work best depending on your ability to handle potential risks.

Having two names on a title—good or bad strategy?

Many people argue that this approach brings more disadvantages than benefits.

First and foremost, risk mitigation could be a little harder to handle when working with two or more people’s risk profiles.

Munzurul explained: “Both of your individual risk portfolios is being brought back into the asset … [meaning, if] I go into the open world and something happens to myself, [like] some level of litigation ... that property is subject to litigation [as well … Same goes with] my partner.”

“As opposed to just being on my name—the risk is a little bit lower. It's one risk as opposed to two risk[s],” the accountant added.

Additionally, having the property’s in more than one person’s name could also affect the owners’ land tax threshold.

According to Munzurul: “An individual … receives a land tax threshold, but as soon as we buy the investment property on a joint name ... that constitutes we are [in] a partnership, so ... rather than me ... and my wife having ... two amount of threshold, we are only entitled to one threshold.”

The land tax office basically attributes the entire amount of land tax even if you only own 50% of the asset or half of the title. Once the ownership of a property is identified as a partnership, it becomes a “land tax entity”.

“That means you pay the land tax rather quickly,” Munzurul said.

Due to these disadvantages, the accountant advises property investors to buy their assets on the individual's name even if the mortgage is in a combined name.

According to him, it creates a bit more mitigation for issues that may arise in the future.

Tune in to Munzurul Khan’s new episode on The Smart Property Investment Show to know which structure is best to buy in, the right balance of loan-to-value ratio, the ins and outs of diversification, and the right time to invest into other asset clouds.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
Securing finance after life-changing events: ‘Cash flow is key’

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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