Serviceability across the panel
Lenders assess rental income and existing debt very differently. Choosing the wrong one first can cost you the next purchase.
Overview
Buying one investment property is a lending question. Building a portfolio is a structuring question, and the decisions made on property one determine whether property three is possible.
The common failure is not a bad rate. It is a portfolio cross collateralised with a single lender, where selling one asset triggers a revaluation of everything and serviceability quietly runs out.
Who this suits
- Buying a first investment property using equity in your home
- Holding two or more properties and planning the next purchase
- Reviewing whether interest only still suits your position
- Untangling a portfolio that sits with one lender
- Buying through a company or trust structure
What we help with
Avoiding cross collateralisation
Standalone securities where practical, so you keep control of what happens when you sell or refinance.
Interest only versus principal and interest
Modelled against your cash flow, tax position and the reversion at the end of the interest only period.
Before you go further
The detail on this page is general information, not credit assistance or personal
advice. What applies to your situation depends on your income, assets, liabilities
and objectives. Call 0413 321 141 and we will work through the specifics.
Common questions
How it works
Initial Consultation
We discuss your goals, financial position and borrowing requirements.
Compare Loan Options
We compare suitable lending solutions available through our approved lender panel at the time of assessment.
Application Support
We prepare and submit your application while keeping you informed.
Settlement
Once approved, we assist through settlement and remain available for ongoing support.