Who this is for适合人群
🏠 First-time investors
Buying your first investment property. Get the structure right from day one.
📈 Building a portfolio (2-5 properties)
Want to grow but worried about serviceability? We restructure to maximise borrowing capacity.
💎 High-equity owners
Lots of equity in your home? Pull it for investments without selling.
🏘️ SMSF property buyers
Buying property in your super fund? Specialised lenders required — I'll connect you.
🏠 首次投资者
买第一套投资房。第一套就把结构做对。
📈 建立组合中（2-5 套房）
想继续买但担心服务能力？我们重组贷款最大化借款能力。
💎 高净值业主
自住房有很多净值？不卖房也能套现做投资。
🏘️ SMSF 自管养老金买房
用养老金买房？需要专门银行——我帮你对接。
How it works申请流程
- Strategy session (30 min) — Discuss your investment goals, current position, time horizon. Free.
- Borrowing capacity analysis — Across multiple lenders. Some lenders give 30% more borrowing power for investors — we find them.
- Loan structure design — Split loans, offset placement, interest-only vs P&I. Tax-smart from day one.
- Application & approval — Usually 2-3 weeks. I coordinate with your accountant if needed.
- Settlement & ongoing review — Annual review to optimise for next purchase.
- 策略沟通（30 分钟） —— 讨论投资目标、当前资产、时间规划。免费。
- 借款能力分析 —— 多家银行交叉对比。有些银行给投资者多 30% 借款额度——我们找出来。
- 贷款结构设计 —— 拆分贷款、Offset 账户配置、Interest-only vs P&I。从第一套就为税务效率而设。
- 申请与批贷 —— 通常 2-3 周。需要时与你的会计师协调。
- 交割 + 持续优化 —— 每年复盘一次，为下一次购房做准备。
What you'll need所需材料
- Driver's licence or passport
- Last 2 payslips OR 2 years tax returns (self-employed)
- Last 3 months bank statements (all accounts)
- All existing home loan statements (current properties)
- Latest council rates notices (existing properties)
- Rental income evidence (existing investment properties)
- List of all debts
- 驾照或护照
- 最近 2 张工资单或 2 年报税单（自雇）
- 最近 3 个月所有账户银行流水
- 所有现有房贷对账单
- 现有房产最新 council rates 单据
- 现有投资房租金收入证明
- 所有负债清单
Common questions常见问题
What's the deposit for an investment property?
Usually 10-20%. Some investors use equity from their home as the deposit, avoiding the need for cash. We'll structure based on your situation.
Interest-only or principal & interest?
Depends on your strategy. IO maximises tax deductibility and cash flow for portfolio building. P&I builds equity faster. Both have a place — I'll recommend based on your specific goals.
How do banks calculate rental income?
Usually 70-80% of gross rent (they discount for vacancy + costs). Some lenders use 90% in certain conditions — those are gold for investors.
Can I buy property in my SMSF?
Yes, but it requires a specific 'limited recourse borrowing arrangement' (LRBA) loan. Only certain lenders offer these. I can connect you with the right one + recommend SMSF accountants.
投资房首付多少？
通常 10-20%。有些投资者用自住房的净值做首付，不需要动现金。我们根据你的情况设计结构。
Interest-only 还是 P&I？
取决于策略。IO 最大化税务抵扣和现金流，适合建立组合。P&I 还本更快。各有用武之地——我根据你的目标推荐。
银行怎么计算租金收入？
通常按毛租金的 70-80% 算（扣除空置和成本）。有些银行特定条件下用 90%——这种对投资者就是金矿。
能用 SMSF 买房吗？
可以，但需要特定的 LRBA 限制性追索贷款。只有部分银行做。我可以帮你对接合适的银行 + 推荐 SMSF 会计师。
Ready to get started?准备好开始了吗？
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