Who will take this file
Two lenders can look at the same rental income, the same company title, the same existing IO loan — and reach opposite conclusions. I know which credit policies still have room for yours.
Investors
The next property shouldn't wreck the last one.
Investment lending is a serviceability game. Structure this purchase with the one after it in mind — interest-only vs principal-and-interest, which lender still has room, and whether the existing loans need a tidy-up first.
Who this is for
Building a portfolio without painting yourself into a corner.
The first investment loan is usually straightforward. The third is where people discover that lender A no longer wants the income, lender B hates the existing interest-only, and lender C will do the deal — if the rest of the file is rearranged first.
- First investment purchase alongside an owner-occupied home
- The next one, when existing loans are already chewing through serviceability
- Interest-only vs principal-and-interest, and when a switch actually helps
- Equity release that leaves enough borrowing power for the move after this one
How I help
Policy matching, not a product brochure.
Structure for the next five years
Cross-collateralisation is convenient until it isn't. I set loans up so you can sell, refinance or add a property later without unwinding the whole stack.
Honest capacity
I'll tell you what you can borrow after the APRA buffer, existing commitments and how each lender shades rental income. Sometimes the answer is "this one, not that one." Sometimes it's "not yet."
The first conversation
Thirty minutes on Google Meet.
Bring the properties you already have and the one you're looking at. I'll map the serviceability, flag the structure traps, and tell you whether this purchase helps or hinders the next one.