What name could I buy an investment property in?
Setting up the right ownership structure
It’s a good idea to get professional advice from your tax and legal team well ahead of signing contracts.
Owning investment property in one name
General benefits:
You decide everything about your property and loan
You can still split your loan into several accounts
Option to set up multiple loan and offset accounts
Some general drawbacks:
- You're the only one responsible for paying back the loan
- Only you can access the loan and offsets accounts
- The name on the property can be different from the name on the loan – talk to your lender and your tax adviser.
Cut a deal on your interest rate
Negotiate your investment home loan interest rate
Book an appointment to talk about our interest rates, or start applying online and a lender will be in touch. They can calculate a variable investment interest rate with offset, just for you.
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FAQs
Can I buy a property in my adult child's name?
Depending on your personal circumstances you may be able to. First, talk to your tax and legal agent to make sure it's set up correctly, and that you understand any tax and asset protection implications.
What’s the difference between ‘joint tenants’ and ‘tenants in common’?
When you buy a property as joint tenants, everyone's name is on the title. If one person passes away, the others get their share. When you buy as tenants in common, each person has their own share that can be given to someone else in their will. Ask your tax adviser and lawyer about any Income Tax, Land Tax and Capital Gains Tax differences.
Can being in a de facto relationship affect property ownership?
If you're not married but live together and the relationship ends, your partner might be able to claim part of the property, even if it's only in your name. This depends on where you live in Australia, so it's best to check out the Government de facto property regime and get independent legal advice.
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It should only take around 10-20 min to apply for an investment property loan.
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Important information
Conditions, credit criteria, fees and charges apply. Based on BankSA’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.
Loan Accounts – Charges for specific services and accounts (PDF 55KB)
This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.
Taxation considerations in this publication should not be interpreted or used as tax advice or a tax guide.