For some people, an investment property is part of a longer-term plan for their family’s future. Property can also lose value, sit vacant or cost more than expected, so it’s worth understanding the lending side clearly before you commit. I help you see how each loan fits with what you might want to do next.
Every loan you take out shapes how a lender judges your capacity to borrow again. Choosing interest-only versus principal and interest (paying off the loan itself, not just interest), using an offset account, and whether your properties are cross-collateralised (linked together as security) — all of this affects how much room you have to keep growing.
This is a complex area, where tax rules, ownership structure and lending rules all overlap. I handle the lending side. I work alongside your accountant or financial adviser on the tax and structuring questions that sit outside what a broker is allowed to advise on.
Interest-only versus principal and interest, and how each choice affects your cash flow and your ability to borrow again later.
Serviceability means your ability to afford loan repayments. This is how lenders judge whether you can hold multiple properties, and roughly where the limit tends to sit.
Rent isn’t guaranteed and properties can sit vacant. Rates can rise and values can fall. Make sure you could cover repayments if rent stopped for a while.
I work with your accountant on the structuring and tax side, while I handle the lending itself.
What fits you depends on your goals, your timeline, and how many properties you want to hold.
This keeps repayments lower while you’re building your portfolio, because you delay paying off the loan itself. It helps cash flow, but it isn’t automatically the right long-term choice.
An offset account is a savings account linked to your loan. Money in it lowers your interest, but you can still access it — unlike paying extra straight off the loan.
I look at how each loan affects your ability to borrow again, so you can see the trade-offs before you commit.
SMSF lending uses your self-managed super fund to buy property. It’s complex and tightly regulated. You’ll need advice from a licensed financial adviser before any lending discussion. I handle the lending side once that advice is in place.
I’m a full-time mortgage broker who still picks up the occasional casual nursing shift, and I bring that same approach to investment lending. I check figures carefully, never skip a step under time pressure, and I’m upfront when something needs a second opinion from your accountant — rather than guessing at tax rules I’m not licensed to advise on.
A few things worth understanding before you commit to an investment purchase.
It depends on your cash flow needs and how long you plan to hold the property. I’ll walk you through the pros and cons, rather than defaulting to one option.
This is when two or more properties are linked together as security for the same loan. It can limit your flexibility later — for example, if you want to sell just one property. I generally avoid it unless there’s a clear reason to use it.
There’s no fixed number. It depends on your income, your existing debt, and how each loan is structured. I can work through the numbers with you.
That’s a legal and tax question, best answered by your accountant or solicitor. I’ll work alongside whatever structure they recommend, on the lending side.
Tell me where you are now and where you want to get to. I’ll map out a lending structure that supports it.