Investment

Build your property portfolio — without the spreadsheet headache.

Investment property loans structured properly the first time. Interest-only options, equity release, and clean multi-property structuring across 40+ lenders.

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Is this you?

Who this path is for.

You’re buying your first investment

And you want it set up correctly from day one.

You’re growing a portfolio

Your existing structure is starting to show cracks (cross-collateralisation, exposed equity, single-lender concentration).

You’re refinancing for equity

To fund the next deposit using the equity you’ve built.

End-to-end

What we’ll handle for you.

  • Loan structuring — interest-only versus principal-and-interest, fixed/variable splits, offset placement. We work alongside your accountant on the strategy.
  • Equity release — pulling usable equity from existing properties to fund the next deposit, structured as a separate split so the tax treatment stays clean.
  • Multi-lender diversification — concentration risk is real. Spreading loans across two or three lenders gives you flexibility and resilience.
  • Servicing optimisation — different lenders treat rental income, negative gearing, and existing debts very differently. We shop for the lender whose servicing model fits your file.
  • Pre-approval on tight timelines — investment auctions move fast. We’ll have you ready.
  • Settlement coordination — your conveyancer, the lender, the agent, and you, all on the same page.
Melbourne inner-suburb terrace row representing investment property

Important note

We’re a mortgage broker — not an accountant.

Investment property has tax implications we’re not licensed to advise on. We’ll always recommend you work with a qualified accountant or financial adviser on the strategy side. We handle the lending side, and we work alongside your accountant so the loan structure supports the strategy.

FAQ

Common questions.

It depends on your strategy and your accountant’s advice. Interest-only loans typically have a higher rate but lower monthly payments and may be more tax-efficient for negatively geared investors — that’s a question for your accountant. Some investors P&We from day one for cash-flow positive properties. We’ll structure whichever you choose.

It’s when two or more properties secure a single loan facility. Banks love it because it gives them more security; investors usually don’t, because it limits your flexibility (selling one property, refinancing one, or releasing equity becomes much harder). We structure investor portfolios with separate, ring-fenced loans wherever possible.

If your existing property has gone up in value, you can borrow against the additional equity to fund a deposit on the next purchase — without selling. We structure it as a separate split loan so it’s accounted for cleanly.

Yes — though the lender panel narrows. Trust and SMSF lending have specific lenders and specific quirks. We’ll know which of the 40+ lenders are appropriate and how to structure the application.

Yes, but not dollar-for-dollar — most lenders shade rental income by 20–30% to allow for vacancy and costs. Some lenders are more generous with new-build investment properties or specific suburbs. Lender choice matters here.

Absolutely — and it’s one of the most common reasons investors come to us. Existing investors often haven’t reviewed their portfolio rates in years; equity has built up; and the structure can be cleaned up at the same time.

Run a Number

Run the numbers on an investment scenario.

Borrowing power, repayments, and equity release estimates.

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Enter your numbers

Estimates only. Actual borrowing capacity and tax treatment depend on the lender, your circumstances, and current rates. Talk to Akshay (and your accountant) for a personalised assessment.

Real client outcome Placeholder

Uncrossing a tangled portfolio.

The brief

Investor with three properties cross-collateralised under one big-four facility. Wanted to add a fourth in Brunswick but had hit a “computer says no” servicing wall.

The outcome

Restructured the existing three loans across two lenders, freeing up usable equity. Submitted the new purchase to a third lender whose investor servicing model fit the file. Settled in 31 days. New portfolio is uncrossed and split across three lenders.

Other paths we help with

Buy a Property First Home Buyer Buying Land

Three ways forward

Let’s structure it properly.

Book a Chat Run the Numbers Call Akshay