A portfolio-friendly major
Strong servicing calculations for rental income, accepts multiple properties.
Rate matters, but structure matters more. We help you borrow in a way your accountant will thank us for.
The way you structure your first investment loan will affect your tax position, your borrowing capacity for the second one, and how easily you can exit in ten years.
Most big banks will happily roll everything into one cross-collateralised mess. We don't. We'll walk you through interest-only versus principal-and-interest, single versus multiple lenders, offset versus redraw - and pick the structure that matches your plan, not theirs.
So when you're ready for investment number two, three or four, the lender still says yes.
Each has pros and cons. We'll show you the cashflow impact over 5 and 10 years for both.
Happy to loop them in. We speak their language, including negative gearing, depreciation schedules and ownership structures.
LVR policy, servicing buffers and offset flexibility often matter more than 0.1% on the headline rate.
Talk through your timeline, target suburbs and cashflow. No documents needed yet.
Different lenders calculate capacity very differently. We'll show you the range.
Structured for the long game - not just this purchase.
Annual check-in to make sure the loan still suits where you're at.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Strong servicing calculations for rental income, accepts multiple properties.
Flexible with complex structures, trust borrowers and short-term rental income.
Competitive IO rates and decent cashback on refinances.
We were about to use our own bank for our second investment. Richard showed us how that would cap our borrowing for any third property. We split across two lenders instead. A year later we bought our third.
Borrowing inside your super fund.
Learn more →Restructure to free up capacity.
Learn more →If your target is commercial, not residential.
Learn more →When one loan is secured against multiple properties, exiting any one of them gets complicated. It can also concentrate risk with one lender. We usually avoid it.
Often yes - especially if you're negatively gearing and have a non-deductible home loan to pay down first. We'll model both.
Most count 75-80% of the gross rent toward your borrowing capacity. Some are more generous with strong lease histories.
Yes, though options narrow and LMI gets expensive. Often better to wait until you've built more equity or explore 80% with a family guarantee.
Some lenders accept STR income, most don't. We know which do.
Yes. We place loans for individuals, couples, family trusts, SMSFs and companies.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm