Building Wealth Through Property
Investment Property Loans That Work Harder for Your Portfolio
From your first investment property to a ten-property portfolio, we engineer loan structures around your long-term strategy — not just today's rate.
From your first investment property to a ten-property portfolio, we engineer loan structures around your long-term strategy — not just today's rate.
Investment lending is more complex than owner-occupier finance. Lenders assess it differently, structure it differently, and price it differently. We know exactly how to work each lender's policy to your advantage.
Buying your first investment property alongside or after your home. We'll model the right structure from day one so future borrowings aren't constrained.
Managing multiple properties across multiple lenders. We design a portfolio architecture that keeps serviceability healthy as you scale.
IO lending for investment properties can significantly improve cash flow. We identify which lenders offer the best IO terms and how to access them.
Unlocking equity in existing properties to fund new acquisitions. We model the full impact on your portfolio before any decision is made.
The 2026–27 Federal Budget announced significant changes to negative gearing — with the date of purchase now determining what tax treatment applies. We help you understand how your structure interacts with the new rules, and work with your accountant to align lending with your overall strategy. See what's changed →
Australian expats buying investment property from overseas. Specialist policy knowledge across lenders who actively support non-resident investors. Learn more →
Investment property finance is assessed differently to owner-occupier lending. Lenders apply different serviceability buffers, different LVR limits, and different credit scoring. A standard broker who rarely handles investor portfolios will often miss options that experienced investment lending specialists navigate daily.
We've been structuring investment portfolios since 2004. We know which lenders treat rental income most favourably, which have the most flexible IO policies, and how to sequence multiple purchases to maintain serviceability. The structure you choose on property one determines what's available on properties three, four, and five.
On 12 May 2026, the Federal Government announced major reforms to negative gearing and capital gains tax as part of the 2026–27 Budget. These are not yet law, but the announcement date matters — here's what investors need to know.
All existing investment properties purchased before the Budget announcement retain full negative gearing benefits under the old rules. Rental losses can continue to offset any income, including wages.
From 1 July 2027, rental losses on existing residential properties purchased after the announcement can only be offset against other property income (including capital gains) — not against wages or other income.
New residential builds are exempt — both before and after 1 July 2027. Rental losses on new builds can still offset any income, including salary and wages. This creates a meaningful tax incentive to buy new.
The Government also announced it will replace the 50% CGT discount with a discount based on inflation, and introduce a minimum 30% tax rate on capital gains. For investors who have held property for many years, the current 50% discount will no longer apply to gains accrued after 1 July 2027.
These measures are not yet law. Always seek independent tax advice from a qualified accountant regarding your specific situation. We coordinate with your accountant to ensure your lending structure aligns with the tax strategy that's right for you.