Build Wealth Through Property Without Maxing Out Your Borrowing Capacity

Let's build your property portfolio the smart way—with finance that actually works in your favour.

I'm your local specialist mortgage broker with one clear mission: to turn the screws on over 35 lenders so you secure the sharpest investment loan possible. Whether you're buying your second property or your tenth, I'll find the finance structure that maximises your borrowing capacity and minimises your costs.

Why work with me for your investment properties?

Many investors don't realise they're leaving money on the table. Different lenders have vastly different policies on rental income calculations, interest-only terms, cross-collateralisation, and serviceability assessments. I know exactly which lenders will actually back your investment strategy—and which ones will waste your time.

I compare loan structures across 35+ lenders to find you:

• Maximum borrowing capacity so you can keep building your portfolio

• Competitive investment rates that protect your cash flow

• Flexible loan features like offset accounts and interest-only periods that suit investors

• Fast pre-approvals so you can move quickly when the right property appears

Here's what sets me apart:

I'm legally obligated to act in your best interests—not the banks'. That means I'll aggressively negotiate on your behalf, challenge lenders when their policies don't stack up, and find creative solutions when standard lending won't cut it.

No jargon. No runaround. Just strategic advice that grows your wealth.

Whether you're after residential investment loans, commercial property finance, or construction lending for development projects, I'll structure your finance to support your long-term investment goals—not just get you through one purchase.

Let's talk. Your next investment property deserves finance that works as hard as you do. One conversation could unlock your next opportunity.

Choosing the Right Loan Structure for Your Strategy

STRUCTURE 1: Interest-Only

Best for: Investors focused on capital growth and tax deductions

How it works: You only pay the interest portion of the loan. The principal doesn't reduce.

Benefits:

- Lower monthly repayments (40% less than P&I)

- Maximum tax deductions (higher interest payments)

- Preserve cash flow for living expenses or next deposit

- Redeploy savings into additional properties faster

Typical terms: 1-10 years (then converts to P&I unless you refinance)

Who uses this: Investors building portfolios, high-income earners maximising tax deductions.

STRUCTURE 2: Principal & Interest

Best for:

Investors focused on paying down debt or pre-retirement strategy

How it works:

Repayments cover both interest and principal, gradually reducing the loan.

Benefits:

- Build equity faster

- Lower total interest paid over loan life

- Reduces risk of owing more than property value

- Good for approaching retirement (want loans paid off)

Who uses this: Conservative investors, those within 10-15 years of retirement.

STRUCTURE 3: Fixed Rate

Best for: Investors wanting certainty and protection from rate rises

Benefits:

- Lock in rate for 1-5 years

- Predictable cash flow

- Protection if rates increase

Drawbacks:

- Break fees if you sell or refinance early

- Miss out if rates fall

Who uses this: Risk-averse investors, those with tight cash flow margins.

STRUCTURE 4: Split Loan (Part Fixed, Part Variable)

Best for: Investors wanting balance between certainty and flexibility (Example:** 50% fixed, 50% variable)

Benefits:

- Partial rate protection

- Maintain some flexibility for extra repayments

- Hedge against rate movements

Who uses this: Investors who want "best of both worlds"

I'll recommend the structure that matches your investment timeline, risk tolerance, and tax position.