Structure the portfolio, not just the purchase.
The loan on property two decides whether property three is possible. We structure around where you want to be in five years, and sequence lenders to keep your capacity intact.
What we work on with investors
Lender sequencing
Some lenders assess existing debt far more harshly than others. The wrong order ends your capacity two purchases early.
Keeping securities separate
Cross-collateralisation suits the bank, not you. We keep properties standalone where practical.
Debt that's clean for tax
Investment and personal borrowings kept apart so your accountant isn't untangling it later. We'll work with them directly.
Interest only, used deliberately
Useful for cashflow across several properties, costly if it runs on without a plan. We set the term with the exit in mind.
Borrowing capacity is the constraint, not deposit.
Most investors stall on a servicing assessment, not a shortage of equity. Knowing which models are generous with rental income, gearing and existing debt is most of the job.
Map out your next purchaseWorth bringing along
Investor questions
How much rental income will a lender count?
Most take 70–80% of gross rent for vacancy and costs. Some are noticeably more generous, which is why lender choice matters.
Should I buy in a trust or company?
That's your accountant's call, and it changes which lenders will look and at what price. We'll join that conversation.
Can I use equity instead of a cash deposit?
Yes. Usually by releasing equity as a separate loan split, keeping borrowings clean and securities independent.
Do investment loans cost more?
Generally a little higher than owner-occupied, and interest-only higher again. The gap varies a lot between lenders.
Planning the next one?
Let's check your capacity before you start looking, not after the offer.