Property Investors · Portfolio Finance
Finance built for investors thinking three moves ahead.
Most brokers find you a loan. I find you the structure that lets you buy the next one. Equity release timing, lender sequencing, loan features... all designed around your portfolio goals.
Rebecca Tickner
Finance Broker · Maxfin
Sound familiar?
The problems I hear most often.
Your equity is sitting idle
You've built equity in your existing property but don't know how to release it efficiently without disrupting your current loan structure.
Banks keep changing the answer
One lender says yes, another says no. You've been quoted wildly different capacity figures and don't understand why.
You don't want to wait three years
You're ready for property two or three but don't know if the timing is right, or how to structure the finance to make it happen sooner.
How It Works
Four steps. No surprises.
01
Portfolio Review
I look at your existing loans, equity position, and cashflow to understand where you actually are, not just where your bank thinks you are.
02
Structure Design
We map the finance structure that supports your next purchase and the one after that. Offset accounts, cross-collateralisation decisions, lender selection.
03
Application & Settlement
I manage the application from start to settlement. You stay informed at every step without chasing paperwork.
04
Ongoing Reviews
Every 3-6 months I check in to make sure your loans are still serving your goals as your portfolio and the market evolve.
In Practice
My partner and I have built a seven-property portfolio. Every loan we hold was structured deliberately, not accidentally. That's what I bring to your portfolio too.
Rebecca Tickner
What you get working with me.
Equity release that doesn't lock you out
Structured so your current equity works for you without creating problems for your next purchase.
Lender sequencing strategy
Which lender to use and in what order as you scale. Not all lenders are equal when you're building a portfolio.
Cross-collateralisation advice
Honest guidance on whether to keep loans separate or linked, and the downstream consequences of each.
Interest-only periods where appropriate
Maximising cashflow during the accumulation phase without compromising serviceability for future loans.
Pre-approval with confidence
Go to auction knowing exactly what you can spend, with a pre-approval that actually holds.
Reviews every 3-6 months
Finance that scales with your portfolio, not a set-and-forget arrangement that costs you year after year.
Run The Numbers
See what you could actually borrow.
Run the numbers before you call anyone, same stress-tested approach lenders apply.
1 · Your details
2 · Properties you already own
3 · The investment property you're looking at
Banks count 80% of expected rent. Negative gearing tax benefits aren't modelled here, so your real capacity may be slightly higher.
4 · Core debts
Banks assess your limit, not your balance. Assessed at 3.8% p.a.
Combined monthly repayments on personal and vehicle loans.
5 · Living expenses & loan settings
We'll use average living costs unless you enter your own.
Stress-tested at +3% buffer (APRA).
Questions
Frequently asked.
How much does a broker cost?
Generally, nothing. Banks pay me a commission when your loan settles, and it doesn't change your rate or your loan amount one bit. My service costs you nothing, plus you get a lot of support, education and guidance, all in your best interests. No-brainer, right?
Heads up: more complex or strategic work, like developments, house flips, or deals with claw-back risk, may involve an upfront fee. Always disclosed up front.
Can I use equity in my existing home to buy an investment property?
Yes, and it's one of the most powerful tools available to property investors. I'll look at your current loan-to-value ratio and work out how much equity you can safely release without over-extending your position. Subject to lender assessment.
Should I keep my investment loans separate from my home loan?
Almost always, yes. Cross-collateralisation can create real problems when you want to sell one property or access equity in another. I'll explain the trade-offs specific to your situation.
How many investment properties can I buy?
Depends on your income, existing debt, and how you structure each purchase. Some investors use multiple lenders across a portfolio to spread serviceability. There's no single answer, but I can model your specific position.
Will getting multiple loans affect my credit file?
Every credit enquiry has some impact. The key is not applying speculatively and making sure each application has a strong chance of approval before it's lodged. I manage this carefully.
What's the difference between principal-and-interest and interest-only?
Interest-only reduces your repayments during the accumulation phase, improving cashflow. P&I builds equity faster. The right choice depends on your strategy and tax position. I'll explain the implications for your situation.
Do you have access to lenders who specialise in investors?
Yes. I have access to lenders who understand investment structures, including those who are more favourable to investors with multiple properties on their books.