Property investment is a long game, and the loan structure matters just as much as the property you buy. The wrong setup can quietly trap your equity, push up your tax bill or stall your next purchase. We work with investor-focused lenders to make sure your loans are set up for growth, tax efficiency and flexibility.
Each has its place. Interest-only typically maximises tax deductions and short-term cash flow, while principal and interest builds equity faster and often comes with a lower rate. We'll explain the cash-flow and tax implications of both so you choose the structure that supports your strategy, not the bank's preference.
Cross-collateralisation, where one lender holds multiple properties as security against each other, can quietly trap your equity and make future borrowing harder. We help structure standalone loans across multiple properties and lenders so you keep control and flexibility as your portfolio grows.
Where you park surplus cash matters. An offset on an investment loan can preserve tax deductibility in a way that redraw often can't. Small structural choices can have big tax consequences, so we always recommend confirming with your accountant, and we'll make sure the loan supports the strategy they recommend.
Lenders assess rental income very differently. Some shade rent down by 20%, others count negative gearing benefits, and a few will look at gross rent. Choosing the right lender can be the difference between a yes and a no on your next property.
Self-managed super fund lending is a specialist area with strict rules around bare trusts, limited recourse loans and lender criteria. We work with the specialist lenders active in this space and coordinate with your accountant and SMSF administrator.
We start with a no-obligation conversation to understand your goals, timeline and current position. No paperwork, no commitment.
We assess your borrowing power, compare suitable products across our lender panel and present a shortlist with clear pros and cons.
Once you choose a direction, we package the application properly, liaise with the lender and chase the moving parts so you don't have to.
We coordinate with solicitors, valuers and the lender through to settlement, then stay in your corner for future reviews.
Lenders assess rental income alongside your salary. Borrowing capacity varies widely by lender, which is exactly why working with a broker pays off, especially as your portfolio grows.
Both work. Using equity is faster and avoids dipping into cash reserves, but it ties properties together. We'll model both options so you can see the cash flow and tax impact of each.
Typically 10 to 20% depending on the lender and your overall position. Some lenders allow LMI on investment lending; others require 20% to avoid it.
Many borrowing costs on investment loans are deductible over five years. Your accountant will guide you on the specifics.
Buying your first home or your next? We'll find a loan that suits your deposit, income and goals.
Paying too much on your current loan? We'll review it and compare the market.
From cash flow to commercial property, we work with specialist lenders.
Building your dream home or a major development? We match you with the right construction facility.
Roll multiple repayments into one manageable loan.
Financing a new car, equipment or other assets? Competitive rates and terms.
Tell us your goals and we'll point you in the right direction. No obligation.
