What Ownership Structures Can Be Used When Purchasing an Investment Property?
This information is general in nature and relates to credit products only. Mortgage brokers are authorised to provide credit assistance only. You should seek advice from a qualified accountant, financial adviser or solicitor before deciding on an ownership structure.
Property investors may choose from a number of ownership structures, including purchasing in an individual name, jointly with another person, through a trust, or through a company. Each structure may have different implications for tax, asset protection, and borrowing capacity.
Because the implications of ownership structures are complex and depend on individual circumstances, investors should seek advice from a qualified accountant, financial adviser or solicitor before deciding how to structure a purchase.
You may wish to speak with a licensed mortgage broker to assess your personal circumstances.
This is general information only and does not constitute legal or tax advice. Structuring decisions require specialist advice. Speak with a licensed mortgage broker, registered tax agent, and solicitor before deciding.
Sources: ATO, Trust Tax Guide; ATO, Rental Properties 2025; Law Council of Australia, Asset Protection Structures; ASIC MoneySmart, Property Investment.
