Investment & SMSF
Investment lending is a structure question.
The right loan structure can shape your tax outcome, your borrowing power for the next property, and your risk. We structure first, then find the rate.
What you get
Lending built around the plan, not just the approval.
Structure before rate.
Interest-only or principal and interest, offsets, splits and security separation, designed for your plan. (General information only.)
Equity, unlocked properly.
Use existing equity for the next purchase without cross-collateralising yourself into a corner.
The one-roof advantage.
Your broker can sit with your adviser and accountant, so the loan fits the tax position and the wealth plan.
Portfolio thinking.
Lender selection that keeps future borrowing power in mind, not just today's approval.
Our process
Three steps, and you always know where you are.
We work the same way on every loan, so nothing gets lost and you are never left guessing. Here is what happens between the first conversation and settlement.
Tell us the goal
A quick conversation, then one link to send us your documents, with a clear list of exactly what we need.
Three options
We assess your position, check lender policy before anything is lodged so your credit file is protected, and present three clear options in plain English.
Lodged, chased, settled
We prepare the paperwork, update you at every stage, chase the lender so you do not have to, and stay contactable after settlement.
Common questions
Questions we get asked.
It depends on cash flow, tax position and strategy, and the answer can change over the life of the loan. We model both in your options. (General information only.)
Equity is how most portfolios grow, but how it is structured matters enormously, especially avoiding unnecessary cross-collateralisation. We structure it deliberately. (General information only.)
Yes, and if your accountant is here too, even better: broker, adviser and accountant under one roof, planning the same position.
Yes, in most cases it will. An investment loan uses borrowing capacity you would otherwise put towards your next home, so lender choice and structure now decide how much room you have later. That is exactly why we think portfolio-first.
Ready to structure your next investment loan?
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
