Property investment lives or dies on structure. The rate matters, but so does how the loan is set up, how the lender reads your rental income, and whether this purchase leaves any room for the one after it.
We compare variable, fixed and split options across more than 300 lenders, and we look hard at interest-only periods, offset accounts and whether securities should be crossed. Lenders assess rental income very differently from one another. That single difference often decides how large a portfolio you end up with, and most investors never find out about it.
We work with your accountant and financial adviser rather than around them. Negative gearing, land tax thresholds and ownership structure sit outside our lane, and the finance should fit the advice you’re already paying for instead of cutting across it.
