Buy investment property with purpose
A lending structure designed for growth, cashflow, and flexibility. We focus on the strategy, not just the approval.
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Investment loans built right
Whether you're starting out or expanding, we structure loans for growth and flexibility.
Five steps to your home
Five steps to the right structure for your portfolio.
Know your investment goal
We start by understanding what you want to achieve and when.
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Seasoned portfolio builders
Know your borrowing power today and plan confidently for future investments.
Borrowers using equity to expand
We help structure your loan to support steady portfolio growth.
Self employed investors
We handle the approval and settlement process from start to finish.
Flexible Interest-Only Options
We review your loan structure as property values change.
Who we help
Investment lending isn't one size. We match borrowers to structures that work for their situation and timeline.
Starting your first investment purchase
We help first time investors understand what they can borrow and how to structure it for future growth.
Experienced Investors
Smart investment loans designed for portfolio growth.
Equity-based expansion
Use your property equity to grow your investments.
Self employed investors
We simplify loans and match you with the right lenders.
Interest-only, offset, and flexibility
We offer loans with interest-only, offset, and flexible options to suit your needs.
What we examine before lending
We look beyond the purchase price. The right structure depends on your income, existing debt, and what comes next.
Rental income approach
Lenders count rental income conservatively. We calculate what they'll actually accept for servicing.
Debt and tax structure
How you structure loans affects both your tax position and future borrowing. We consider both.
Existing loans and limits
Your current debt shapes what you can borrow and how lenders will assess new applications.
LVR and LMI strategy
We balance loan to value ratios against mortgage insurance costs to find your best position.
Mistakes we help you sidestep
We've seen what goes wrong when loans aren't structured with the future in mind.
Loans that block future borrowing
Poor structure today limits what you can borrow tomorrow.
Cross collateralisation without understanding downside
Linking loans can create problems if you want to sell or refinance one property.
Choosing the Wrong Loan Type
The wrong loan can hurt long-term investment goals.
No buffers for rate rises or vacancies
Not planning for rate rises or vacancies risks your cash flow.
Underestimating lender servicing rules on rentals
Lenders apply strict rules to rental income. Missing this costs you borrowing power.
Get your documents ready
Having these ready speeds up the process and shows lenders you're organized.
Income evidence
Tax returns, payslips, or financial statements depending on your employment type.
Loan statements
Current statements for all existing mortgages and personal loans.
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Bank statements
Recent statements showing savings, deposits, and regular transaction history.
Rental appraisal
If available, an appraisal of the investment property's rental potential.
FAQs
Find answers to the most common questions about structuring investment loans.
Interest only lets you manage cash flow during early years. Principal and interest builds equity faster but costs more monthly. The right choice depends on your rental income and long term strategy.
Lenders apply strict rules to rental income, typically counting 80% of gross rent. They also factor in vacancy rates and maintenance costs. We calculate exactly what they'll accept for your application.
Yes, but it requires careful structuring to maintain flexibility for future purchases. Using equity changes your borrowing capacity and may trigger lender restrictions. We plan this so you don't block your next deal.
Every loan changes your borrowing power. We structure this purchase with your next one in mind, keeping future capacity within reach. That's the difference between a loan and a strategy.
Yes, and there are tax and flexibility benefits to doing so. Separation lets you refinance or sell one property without affecting the other. We structure loans to keep them independent unless there's a clear advantage to linking them.
Still have questions?
We're here to talk through your specific situation.
Structure for what comes next
Want an investment loan structure that supports the next purchase, not just this one?
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