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Who We Service
Mortgage Broker for Property Investors
From your first investment property to a sophisticated portfolio, the way you structure your investment lending matters more than people realise. We help investors protect equity, preserve flexibility and grow without painting themselves into a corner.
Your Situation
Property Investors Need More Than a Rate Comparison
When you start out as a property investor, the natural focus is on the rate — what’s the lowest interest rate you can get, what’s the biggest loan you can borrow? But once you have one or two investment properties, the question stops being about rate and starts being about structure: how is your lending arranged, which property secures which loan, how exposed are you to a single lender, and what happens to your borrowing capacity when you want to buy the next one?
Common mistakes that hurt investors long-term include cross-collateralising all properties at one lender (which creates a single point of failure), drawing equity inefficiently (triggering loan restructuring fees and re-applications), choosing interest-only periods that expire at the wrong time, and having loans split between owner-occupier and investment so the tax deductibility is muddled.
We work with investors at every stage. For first-time investors, we focus on getting the foundation right — making the first loan structure flexible enough to support future purchases. For multi-property investors, we look at the whole portfolio: serviceability headroom, lender concentration, equity release options, and how to position the next acquisition without overcomplicating what you already have.
Services Relevant to You
Finance Services for Property Investors
Standalone investment loans structured for tax-deductibility and flexibility, with interest-only options where appropriate.
Learn more →Review your existing investment loans against the current market — including releasing equity for your next deposit.
Learn more →Borrowing through a discretionary or unit trust — common for investors looking to separate ownership and protect assets.
Learn more →Holding investment property in a Pty Ltd company — asset protection and tax flexibility, properly structured.
Learn more →Investors moving from residential into commercial — offices, retail, industrial, mixed-use. We know the asset-class quirks.
Learn more →How We Help
How We Help Investors
We take a portfolio view from day one. For each new investment loan, we look at how it interacts with your existing structure — which lender, which security, which type of loan and how the equity will be drawn against the next purchase. The structural decisions you make now affect your flexibility for years.
We’re vendor-neutral. We don’t push you towards a particular lender because of relationships or volume bonuses — we recommend the lender that best fits the specific transaction and your overall portfolio. Often that means using different lenders for different properties to spread concentration risk and preserve borrowing capacity at each.
We also work alongside your accountant, not in place of them. Property investors’ tax positions are nuanced — depreciation, negative gearing, capital works, holdover provisions on splits. We don’t give tax advice, but we structure the lending so your accountant can work with what we set up rather than against it.
FAQ
Property Investor Questions
Should I cross-collateralise my investment properties?
Generally we recommend against it. Cross-collateralisation means all your properties are tied to one lender as security, which creates a single point of failure: if you ever want to sell one property or refinance away from that lender, you have to restructure everything. Stand-alone lending against each property gives you more flexibility, even though it can be slightly harder to set up initially.
Interest-only or P&I on investment loans?
It depends on your strategy. Interest-only typically maximises tax-deductibility (because the loan balance doesn’t reduce) and preserves cash flow for further deposits. P&I builds equity faster but at higher monthly repayments. Most lenders cap IO periods at 5 years before reverting — we plan for the reversion at the same time we set up the IO term, so you’re not surprised.
How do I unlock equity to buy my next investment?
Equity release works in two main ways: a top-up of your existing loan (the lender increases your loan amount and gives you the additional funds as cash), or a separate split / facility against the same property. The right approach depends on the lender’s policy, the tax treatment you want and whether the equity is in an owner-occupier or investment property. We structure these regularly.
Will having multiple investment loans affect my borrowing capacity?
Yes — every existing loan reduces your remaining serviceability with most lenders. But the impact varies a lot between lenders depending on whether they assess existing loans at the actual rate or a buffered rate, whether they use the actual repayment or a notional P&I repayment, and how they apply rental income. Choosing the right lender for each new purchase is a big part of what we do.
Can I borrow inside an SMSF?
Yes — SMSFs can borrow under a limited recourse borrowing arrangement (LRBA) to acquire property. The lender pool is more limited than for personal investment lending, but several mainstream and specialist lenders support residential and (less commonly) commercial SMSF lending. We do this regularly — see our SMSF Trustees page.
Talk About Your Investment Strategy
Free initial consultation. Tell us about your existing portfolio (if any) and where you want to go. We’ll map a structural approach for your next purchase and the ones after.
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