Resources
Practical guides and educational resources for anyone buying, managing, or exiting a co-owned property.
United States · 23 Aug 2026 · 5 min read
On the loan, on the title, or both — the three ways parents join a home purchase, what each does to the mortgage and the deed, and the questions to settle before closing.
Australia · 17 Aug 2026 · 5 min read
Six in ten first home buyers now purchase with someone else, and joint loans between friends and family grew by a third in a year. Every co-buying figure in one place, each with its source and date.
Global · 4 Aug 2026 · 6 min read
Search this and you get answers about second mortgages, which is not what you asked. Here is what co-buyers actually want to know: whether you and your co-owner can each have your own loan, and what to do when you cannot.
Global · 4 Aug 2026 · 6 min read
One owner lives there, the others do not, and everyone has a different idea of what that should cost. The legal default is probably not what you expect — so decide it yourselves, in advance.
Australia · 4 Aug 2026 · 8 min read
A joint home loan with your parents, a guarantor arrangement and shared ownership are three different deals with different risks, tax bills and exits. Here's how to tell which one you're actually signing.
Australia · 4 Aug 2026 · 7 min read
You and your siblings now co-own a house nobody chose to buy together. Here are the five ways it usually goes, what each one costs in duty and CGT, and how to stop the one where somebody just lives there.
Australia · 22 Jul 2026 · 4 min read
Two incomes, two deposits, and a government guarantee that now covers friends buying together. What's changed, what the banks think, and the five conversations to have before you look at a single listing.
Australia · 22 Jul 2026 · 5 min read
How many first home buyers get parental help, how much parents actually give, and whether the 'top ten lender' claim stacks up — every figure sourced, with the estimates flagged as estimates.
Global · 21 Jul 2026 · 5 min read
You can't just take your name off a joint mortgage — the bank chose two incomes and won't hand one back. Here are the four ways out that actually work, with the numbers behind each one.
Australia · 21 Jul 2026 · 4 min read
Most guides explain this choice for wills and estates. If you're buying with a partner, friend or sibling, it's a different decision — about unequal shares, exits, and what happens if one of you dies.
Australia · 21 Jul 2026 · 5 min read
If parent money is a loan and not a gift, the law wants to see it in writing — and so does the child's lender, and one day maybe the Family Court. Here's what the agreement needs to say, clause by clause.
United States · 21 Jul 2026 · 4 min read
A TIC agreement template gives you the headings. This is the substance under them — the clauses that decide unequal shares, missed payments, exits and death, and what goes wrong when they're missing.
United States · 21 Jul 2026 · 4 min read
Deed and mortgage are two different documents, and every mismatch between them creates a specific risk. The four name combinations, what each one means, and how unmarried co-buyers protect themselves.
Australia · 8 Jul 2026 · 5 min read
Australian parents tip in billions to get their kids into property. But 'helping with the deposit' can mean three very different things — a gift, a loan, or actually co-owning — and each has different consequences for everyone.
United States · 8 Jul 2026 · 5 min read
Family help with a down payment comes in three forms — a gift, a loan, or actually co-owning — and the IRS, your lender and your relatives treat each of them very differently. How to pick the right one.
Australia · 7 Jul 2026 · 5 min read
When one owner wants out, the others usually buy their share. Here is how to value it fairly, the stamp duty and CGT to expect, why the lender has to agree, and how it goes when you can't.
United States · 7 Jul 2026 · 6 min read
Divorce, an inherited home, or a co-owner cashing out — buying someone's share follows the same path: an appraisal, a cash-out refinance, and a tax bill that depends entirely on who you're buying out.
Australia · 4 Jul 2026 · 6 min read
More Australians are buying property with family to get through the door — parents with adult kids, siblings pooling their deposits. Here is how the title, the loan, the schemes and the tax really work, and the parts that catch people out.
Australia · 3 Jul 2026 · 6 min read
A standard joint home loan makes every co-owner liable for the whole debt. Property share loans split the borrowing the way you split the title — here's how they work and what to ask your lender.
United States · 2 Jul 2026 · 5 min read
Yes — co-owners can each deduct the mortgage interest and property taxes they actually paid. How to split one Form 1098 between two people, the filing-separately rules, and the per-owner capital gains exclusion.
United States · 29 Jun 2026 · 4 min read
Divorce law won't sort things out for you, because you won't be getting divorced. Here's how unmarried couples buy a home together with both people actually protected.
Australia · 26 Jun 2026 · 5 min read
One of you has $80,000 saved, the other has $40,000, and you both want in. Here's how Australian co-buyers turn uneven contributions into ownership shares nobody resents later.
United States · 18 Jun 2026 · 5 min read
One of you brings $60,000 to closing, the other brings $20,000. Here's how American co-buyers turn uneven money into ownership shares that hold up — on the deed, at the IRS, and at sale.
Australia · 5 Jun 2026 · 2 min read
Shared costs, shared memories, a getaway whenever you want one — co-owning a holiday house is a lovely idea that needs a little structure to stay lovely.
Global · 29 May 2026 · 4 min read
Disagreement between co-owners is normal. Whether it stays a disagreement or becomes a dispute comes down to a few things you can put in place early.
United States · 22 May 2026 · 2 min read
A rental with a partner can produce excellent returns and a slow-burning resentment, depending almost entirely on how you set up the roles and the records.
Global · 14 May 2026 · 4 min read
Splitting property costs sounds simple until the first big invoice lands. Here are the approaches that actually hold up, where they tend to break, and how to set things up so nobody has to argue about it later.
Australia · 5 May 2026 · 2 min read
How Australian lenders assess joint home loan applications from friends, siblings and co-buyers, which structures they prefer, and what to sort out before you apply.
Australia · 23 Apr 2026 · 2 min read
Nobody buys in expecting to leave, but jobs move, relationships end, and money gets tight. Planning the exit before you need it is what keeps a departure from becoming a dispute.
Global · 17 Apr 2026 · 4 min read
Pooling money to buy with people you trust can be a genuinely smart move or an expensive mistake. An honest look at what makes the difference.
United States · 6 Apr 2026 · 3 min read
Pair house hacking with co-ownership and you can buy bigger, share the risk, and let tenants help cover the mortgage. Here is how to structure it so it holds up.
Global · 26 Mar 2026 · 4 min read
The agreement between co-owners is the document most people skip and later wish they hadn't. Here's what belongs in it, and why each clause earns its place.
Australia · 13 Mar 2026 · 2 min read
Who pays for the broken hot water system? How do you split rates when ownership is uneven? Practical ways to divide property costs without souring the relationship.
United States · 4 Mar 2026 · 2 min read
Tenancy in common, joint tenancy, and the paperwork that protects your money when you buy property with someone else in the United States.
Australia · 21 Feb 2026 · 3 min read
Buying with friends, family or investment partners is now common in Sydney and Melbourne. A co-ownership agreement is what keeps it from going sideways. Here is what an Australian one should cover.