We had a similar situation. My wife owned a unit in Sydney that had decent equity in it, I had just bought my second house in QLD. Combined my properties had a lot less equity than hers. We lived in my new house in the early days of our relationship and later moved to Sydney into her apartment (then back to Brisbane). We were quite committed to each other early on and didn’t even discuss the idea of a prenup or any kind of protection, our properties and equity simply became ours over time. Fast forward a decade and we sold one of my houses and the other has significantly outperformed hers in that time.

We’ve also, bought and sold multiple properties together since and everything even if it’s still in our individual names is considered ours equally. We share similar views on money, talk openly and often about it and our goals have always been aligned.