<prompt> Human: Hi allIm thinking of investing in a property together with another friend. We are trying to figure out whats a fair ownership percentage between us.Roughly speaking, we will be both bringing in the same deposit 50k each to the table. Although we are applying together for a loan 500k, I earn 100k pa vs my friend 50k pa. He says he can afford to pay the repayments 5050 and therefore should split ownership 50 each.However Im not sure if thats 100 fair, given that in order to obtain the loan i.e. from the banks point of view of serviceability it was my higher earning capacity that allowed us to be able to afford 500k in the first place. By my calculations, if the loan share is split based on each ones earnings p.a., then I should receive 23rds share of ownership after accounting for the equal deposit each one has put in.Of course we can agree to split ownership 5050 as we both can afford 50 share of the repayments but what is the fairest to agree on in the first place?Anyone have a similar experience and have possible solutions?Thanks in advance.  <response>: Ok besides investing with friend being a bad idea most of the time. You want 16 more equity because you think more of the mortgage is yours? If the house decreases in value to below the loan balance and you have to sell are you planning to pay 66 to get out of the house? Firstly you both will owe 100 of the mortgage. Secondly the if you invest 50.50 you both should get 5050. That you think youre income increased the max loan amount is irrelevant. If youre already thinking up ways cheat your friend already this is a horrific idea. 