Our specialty · Investment & portfolio loans

Investment Loans Structured to Scale Beyond 2⁠–⁠3 Properties

We help high-income professionals structure their finances to keep buying, even when the banks say no. Access to 50+ lenders, including trust and SMSF specialists.

Rooftops of investment properties
Top 60 Elite Broker 2025 · The Adviser
Why investors stall

Most Portfolios Stop at Property Three. It’s a Sequencing Problem.

Every lender assesses rent, existing debt and buffers differently. Use the wrong one too early and the next approval disappears. Compare the two paths.

6+properties, with capacity left
PROPERTY 01
Major bank
Standalone security
PROPERTY 02
Second-tier bank
Higher rental income shading
PROPERTY 03
Major bank
Equity split, no cross-security
PROPERTY 04
Non-bank lender
Assesses actual rent
PROPERTY 05
Specialist lender
Trust as borrower
PROPERTY 06
Second-tier bank
Capacity kept for next buy
Illustrative only. Actual capacity depends on income, debts and lender policy.
How we structure

Four Decisions That Set Your Borrowing Ceiling

Made before you sign a contract, with your accountant in the loop.

01

Standalone securities

Each property secures its own loan, so a sale or refinance doesn’t unwind the whole portfolio.

02

Lender sequencing

Lenders assess debt differently. Using them in the right order preserves capacity for later purchases.

03

Equity release

Unlock usable equity as a separate split, keeping deductible investment debt clean.

04

Ownership structure

Personal, trust, company or SMSF, set up with your accountant before you buy.

House keys handed over at settlement
Who it’s for

We Work Heavily With…

✓Investors with 2–10 properties who want to grow
✓Clients using SMSF or Family Trust structures
✓High-income professionals told they’ve hit their borrowing limit
✓Professionals in Sydney’s North-West & Hills District
Broker meeting with a client
One broker across your whole portfolio, not a new face for every loan.Meet the Team →
The process

From First Call to Annual Review

01
Strategy call15 minutes on your goals, current loans and next purchase.
02
Portfolio planBorrowing capacity across lenders and a recommended structure.
03
Approval & settlementWe handle the application, valuation and lender back-and-forth.
04
Annual reviewRate negotiation and structure check every year.
Questions

Investment Loan FAQs

Can’t see yours? Read the full FAQ or call 02 9816 9866.

There is no fixed limit. The constraint is each lender’s serviceability test, which treats existing debt, rental income and buffers differently. Choosing the order in which you use lenders is how we keep borrowing capacity available for later purchases.

Other loans