Investment Property Finance

What We Do For Property Investors

Most investors stall at property three or four — not because the deals disappear, but because the finance was structured one loan at a time. We start with the portfolio you want in ten years and work backwards to the loan you sign this month: which lender assesses your income most generously, which entity holds the asset, which debt sits where, and what that does to your next application.

• Borrowing capacity modelling across a panel of 50+ lenders, including second-tier and specialist funders.
• Portfolio sequencing — the order of lenders and securities that keeps future capacity alive.
• Ownership structuring in personal names, companies, trusts or SMSF, coordinated with your accountant.
• Interest-only, offset, split and fixed structures matched to cash flow rather than headline rate.
• Refinancing and equity releases to fund the next deposit without cross-collateralising your portfolio.

How Australian Lenders Assess Investors

Lenders do not simply divide income by a repayment. They apply a serviceability buffer above the actual rate, discount rental income, load existing debts at assessment rates and apply a household expenditure floor. Two lenders looking at identical financials can land hundreds of thousands of dollars apart. Knowing which lender reads your position most favourably is the single highest-leverage decision in an investor's finance strategy.

Who This Is For

• Investors adding to an existing multi-property portfolio.
• Self-employed and company-structured borrowers with non-standard income.
• Professionals building a portfolio alongside a PAYG salary.
• Investors who have been declined or capped by their existing bank.