Our Program
Build your portfolio with a loan that fits your strategy and cash flow. We compare a wide lender panel, explain rate and feature trade-offs in plain English and manage the paperwork from first chat to settlement. After settlement we keep reviewing your rate and structure so your loan keeps working hard for you.
A smart structure today can improve cash flow, tax outcomes and future borrowing power.
Access equity from your home or an existing investment to fund deposit and costs. We model LVR, LMI and buffers.
Variable, fixed or split; interest-only or principal & interest. We match settings to your cash-flow plan.
Offset can reduce interest while keeping funds handy. Redraw lets you access extra repayments—use carefully for tax records.
Buy as an individual, couple, company or trust. We coordinate lending while you seek legal/tax advice.
Positive or negative gearing change cash flow and tax treatment. We illustrate scenarios so you can decide confidently.
Lenders typically shade rent and may use desktop, kerbside or full valuations. We prepare your file accordingly.
Many investors aim for 20% plus costs to avoid LMI, but lower deposits are possible with LMI. We’ll model LVR, LMI premiums and cash-flow impact.
Yes. We can release equity via a separate facility to keep tax records clean and avoid mixing personal and investment purposes.
Lenders usually “shade” rent (for vacancies/expenses). Policies vary; we show you how each lender treats your rent and other income.
Interest-only can improve short-term cash flow but may cost more over time and affect future borrowing. We’ll compare both scenarios.
It depends on your plans, buffers and risk tolerance. Splits can combine certainty with flexibility. We’ll model repayments and break-cost risk.
Yes—many lenders offer offset on investment loans. It can reduce interest while keeping funds accessible. We’ll show which products include true offset.
Stamp duty, legal/conveyancing, inspections, lender/application fees, valuation and settlement fees. We provide an itemised estimate up front.
Linking multiple properties to one facility can reduce flexibility later. We usually prefer separate security so you can sell, refinance or restructure more easily.
Often yes. Lenders assess guarantors and structure differently. Get legal and tax advice; we’ll align the lending to that advice.
Negative gearing can create tax deductions; positive gearing adds income. Your strategy and buffers drive the right loan type and features.
With a complete file, many lenders move quickly. Timelines vary by lender and complexity; we keep you updated at every step.
Yes. We can refinance to sharpen your rate or release equity for the next purchase, renovations or debt consolidation—subject to policy and serviceability.
We work with a wide range of banks and specialist lenders. Logos to appear here.
