Borrowing capacity
Understand how lenders assess rent, existing debts, living costs and your broader financial position.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Investment property finance
Finance your portfolio with the next move in mind.
Build a lending strategy around cash flow, equity, tax considerations and borrowing capacity—not just the purchase directly in front of you.
Portfolio lending strategyEquity and cash flow modelledFuture borrowing considered
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Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
Structure today’s loan around tomorrow’s plans.
Investment lending decisions can affect serviceability, flexibility and risk across your whole portfolio. We help you see the connections before you commit.
Equity planning
Explore usable equity and deposit options while keeping appropriate buffers in place.
Loan separation
Consider clear, flexible structures that avoid unnecessary cross-collateralisation.
Portfolio outlook
Account for cash flow, lender exposure and the likely financing needs of your next purchase.
Your pathway
A considered process. Clear next steps.
Map
We review your portfolio, objectives and risk preferences.
Model
We assess cash flow, equity and lender servicing outcomes.
Structure
We compare suitable lenders and loan configurations.
Execute
We coordinate approval, valuation, documentation and settlement.
Talk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
Should I use equity for an investment deposit?+
Equity can be a useful funding source, but the amount available and the right structure depend on your property values, existing debts, cash flow and risk tolerance.
Interest only or principal and interest?+
Each has different repayment, cash-flow and long-term cost implications. The right choice depends on your strategy and circumstances; tax consequences should be discussed with your tax adviser.
Why avoid cross-collateralisation?+
Using several properties as security for one lending arrangement can reduce flexibility. Separate loans may make future refinancing or selling simpler, though the right approach depends on the lender and scenario.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.