We haven't settled yet, that comes Mid July.  We are just sorting out our finance.  Commbank renegged on the deal that offered our pre-approval on…. 
I checked with FIRB about 1 and a half months ago, so maybe it has changed a little.  It doesn't really affect us at the moment, but who knows what it will be like in 5 years, and our position as well may be different. 
From what i have put together, i have 2 real options (Given that with Joint Tenancy redistribution/allocation is not permissable).  The 2 options being Tenancy in Common, or just outright Single Ownership (and possible Guarantor writings if the loan and house titles are held in different names)
I want to borrow some money as part of the loan package to buy shares as well, which probably complicates the matter as well.  I currently have shares, and want sell them to finance the house (as it will be Owner Occ) and then look at buying into shares again to diversify, if you know what i mean.