Property Finance Strategy & Lending Structure Guidance
Structure Your Loans For Wealth, Not Just For A Home.
We act as the architects of your financial future. We design strategic lending structures that maximize tax benefits, protect your assets, and give you the flexibility to grow your portfolio without hitting a wall.
Don't Let The Bank Control Your Assets.
Most borrowers accept whatever structure the bank gives them, often leading to “cross-collateralization”—where the bank ties all your properties together. This limits your flexibility and puts your family home at risk. We advocate for you, setting up a structure that keeps you in control, not the lender.
Avoid Cross-Collateralization
We ensure each property stands alone. This means if you sell one property, the bank can't force you to use the proceeds to pay down debt on another.
Maximize Tax Deductibility
Working alongside your accountant, we structure loans to clearly separate "good debt" (tax-deductible investment debt) from "bad debt" (non-deductible home loans).
Future-Proof Flexibility
We set up your finance with the next purchase in mind, ensuring you don't hit a "borrowing capacity wall" just when you are ready to expand your portfolio.
The Blueprint For Long-Term Wealth
An interest rate lasts for a few years, but a loan structure can affect you for decades. Whether you are a first-time investor or managing a complex portfolio, we build a “finance blueprint” that aligns with your life goals—ensuring you have the cash flow, buffers, and access to equity when you need it most.
Strategic Lending Advice For Melbourne’s Wealth Builders
We partner with your accountant and financial planner to deliver a cohesive, high-level lending strategy that supports your broader wealth goals.
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Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Structural Design Phase
We move beyond simple "loan comparison" to deep strategic planning. We audit your current position and design a bespoke lending framework that supports asset protection and rapid debt reduction.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
A low rate might save you $50 a month, but a bad structure could cost you tens of thousands in lost tax benefits or prevent you from accessing equity to buy another property. Structure determines your flexibility, risk level, and borrowing power; rate is just the cost of the money.
This is when a bank uses your home and your investment property as security for one big loan (or two linked loans). If you want to sell the investment property, the bank can force you to use the profit to pay down your home loan, trapping your cash. We avoid this by keeping properties with different lenders or as "standalone" securities.
An offset account is a savings account linked to your loan. Money in it reduces the interest you pay. Strategically, we use offsets to hold your savings against your non-deductible debt (your home loan) first, saving you money while preserving your deductible debt (investment loans) for tax purposes.
Absolutely. In fact, we prefer it. We speak the same language as accountants. While they provide the tax advice, we execute the lending structure to make that advice a reality (e.g., setting up split loans or lending to a Family Trust).
Buying in a Trust can offer great asset protection and estate planning benefits, but it also makes lending more complex. Not all banks lend to trusts. We can guide you to the specific lenders who specialize in Trust lending and offer competitive rates.
Debt recycling is a strategy where you replace non-deductible debt (your home loan) with tax-deductible investment debt over time, using the equity in your home. It requires precise loan structuring (splits and redraws) to ensure the tax office accepts the deductibility. We are experts in setting this up correctly.