Service · 03
Portfolios, properly structured .
Investment lending arranged with cross-collateralisation, ownership structure, and tax outcome considered before the application is lodged — not after settlement.
01 · In practice
Investment lending is structural before it is transactional.
The decisions you make at the first investment property — whose name it is in, what entity holds it, which lender writes the loan, and what is pledged against what — shape the next five properties you can or cannot buy.
The Strategy Memo addresses structure first, then lender selection. Once both are right, the application itself is straightforward.
02 · Questions we cover
Five conversations on structure, before any lender is approached.
Whether to borrow in your personal name, joint, trust, or company structure — and what each does to your serviceability for the next purchase.
Whether to cross-collateralise with your owner-occupier or keep the security siloed.
How rental income is shaded by different lenders' policies, and which lender's policy suits your portfolio.
Interest-only vs P&I — for tax outcome, cash flow, and serviceability headroom on the next purchase.
Whether the equity you have is most effectively used as deposit on this purchase or held in offset for the one after.
03 · What to gather
The evidence pack scales with the structure.
Last two personal tax returns plus notices of assessment.
Last two years of company or trust financials, if applicable.
Existing investment property statements (last six months) and current rental ledgers.
Existing loan statements for every active facility.
Identity documents (driver licence + passport or Medicare card).
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.