Smart Investment Lending

Property investment requires careful planning and the right loan structure. Whether you are buying your first investment property or growing a portfolio, we help you understand your options, structure your lending efficiently, and find competitive rates from across the market.

What We Offer

Portfolio Strategy

We help you think about how each property fits into your broader financial goals, including tax implications and cash flow considerations.

Interest-Only Options

Interest-only loans can improve cash flow for investors. We explain when this makes sense and which lenders offer the best terms.

Equity Access

Already own property? We can help you access equity in your existing property to fund your next investment without dipping into savings.

Cross-Collateralisation Advice

We explain the pros and cons of different security structures so you can make an informed decision about how your loans are set up.

Our Process

1

Strategy discussion — we understand your investment goals and timeline

2

Financial assessment — we review your income, expenses, and existing debt

3

Borrowing capacity — we calculate how much you can borrow for investment

4

Loan comparison — we compare options from 70+ lenders for investment lending

5

Structure recommendation — we advise on the best loan structure for your situation

6

Application & settlement — we manage the process from start to finish

Frequently Asked Questions

Can I use equity from my home?

Yes, if you have sufficient equity in your owner-occupied property, you may be able to use it as a deposit for an investment property. We will assess your equity position and advise on the best approach.

Should I choose interest-only or principal and interest?

Interest-only loans reduce your repayments in the short term, which can be beneficial for cash flow and tax purposes. However, you are not paying down the loan. We will discuss the trade-offs based on your specific situation and goals.

How many investment properties can I finance?

This depends on your income, existing debts, and the rental income from your properties. Some lenders have limits on the number of investment properties they will finance. We work with lenders across the spectrum to find solutions.

Ready to Explore Your Options?

Book a free 30-minute consultation with Timothy.

Book a Free Consultation