Long time reader first time poster. I have a question regarding investment borrowings. My PPOR is owned in joint names (wife and I) as is the loan. I would like to borrow against the equity in PPOR with both the loan and investments in my name (as I will be sole earner for foreseeable future - wife is stay at home mum) so I can maximise negative gearing benefits. Planning to buy and hold shares (mainly in STW - ASX 200 ETF). Is it possible to structure investment loan in this way? My current loan is with one of the big 4 banks. If it is NOT possible to have separate investment loan in my name only, if the investments are in my name, can the interest on the joint loan be attributable only to me? The following article seems to say NOT for share investments, but perhaps yes for property? A.R.M. Monthly Newsletter Any advice greatly appreciated. Derryn.