HI I'm after some advice on estate planning with regard to our investment properties. We have 3 properties in both our names as Joint tenants, no problem there. We have 4 properties in my husbands name only as he is the highest wage earner. However my name is on 2 of the loans. I have only realised that in the even that my husband dies these properties would go into his estate (which I would be the sole beneficiary) and the rental income would go into his estate as well. However as the loan is in both our names I think I would be responsible for the mortgage repayments, is this correct? We have bought 2 more investment properties since then and this time we made the ownership struture tenants in common, 99% my husband 1% me, so the properties titles are in both our names as is the rental income and the loans. Can someone tell me am I correct in believing should my husband pass away during the time it would take for his estate to be finalised I would still be able to access the rental income from these two properties to pay the loans? If so should we be adding my name to the titles of the properties that are still in his name solely? We live in Victoria.