The existing position comes first
Income, home loans, investment debt, other commitments and available cash all influence the lender assessment. Equity and borrowing capacity are different questions.
Investment finance · Sydney
Put the finance behind the property plan.
Before you add a property, understand what the lending, repayments and buffers could mean for the position you already have.
For investors adding a property or restructuring an existing portfolio.
What matters
Look beyond the next purchase.
Structure and security
Loan splits, repayment type and the properties offered as security can affect flexibility and risk. We discuss the trade-offs and the lender’s requirements.
Cash flow and buffers
Consider repayments alongside vacancy, property expenses and changes in interest rates. Expected rent is an assumption, and lender treatment of that income varies.
Property advice, clearly scoped
Where property advisory or sourcing work is relevant, its scope, fees, referral arrangements and conflicts are discussed separately from credit assistance.
How it runs
Finance first, then the purchase.
- 01
Map the existing position
Home loans, investment debt, income, equity and available cash.
- 02
Set structure and buffers
Loan splits, security and buffers for vacancies and rate changes.
- 03
Brief the property
The purchase is sized to the finance position. Property sourcing is available as a separate service.
- 04
Apply and purchase
Evidence prepared and the lender’s assessment worked through to settlement.
These are general steps. Lending is subject to lender criteria and individual assessment. Approval is not guaranteed.
Getting ready
A useful starting point.
You don’t need everything ready for the first conversation. These details can help make it more useful.
- Current loan and credit statements
- Income evidence appropriate to how you earn
- Rental statements for existing investments
- Savings, available buffers and your property plans
Discuss the secure process for providing documents with Alan. There is no document upload on this website.
Three-question check
Answer three questions and see what usually matters next.
Start the checkYour questions
Good to know.
Can my home equity fund an investment?
It may contribute, subject to valuation and the lender’s criteria. Any additional borrowing must be affordable and suitable for your circumstances. Using your home as security carries risk.
Do investment properties always cover their costs?
No. Rent may not cover repayments, vacancies, maintenance and other costs. Returns and property values can fall. Model a range of assumptions and retain appropriate buffers.
Do you help salaried and self-employed investors?
Yes, both situations can be discussed. The income evidence and assessment differ, and any lending remains subject to the lender’s policy and individual assessment.
Free strategy call with Alan
Your next move starts with a conversation.
15 minutes with Alan. Talk through where you are, where you want to go and what your finance needs to do along the way.