Build a property portfolio, without letting the banks slow you down.

Let's build your property portfolio the smart way—with finance that actually works in your favour.

Most investors hit a wall somewhere around property two or three. Not because they can't find good properties. Because their finance structure has painted them into a corner — maxed borrowing capacity, cross-collateralisation locking up their equity, lenders suddenly getting nervous about their serviceability.

That's a lender problem, not an investor problem. And it's exactly the kind of problem we exist to solve.

Whether you're buying your second property or your tenth, we structure investment loans across 35+ lenders to maximise your borrowing capacity, protect your cash flow, and keep the door open for the next one. The edge isn't just in the rate — it's in how the whole thing is put together.

Why work with Lender Edge

Different lenders assess investment loans very differently — rental income calculations, interest-only policies, how they treat cross-collateralisation, serviceability stress tests. The gap between the most generous lender and the most conservative one can be the difference between buying your next property this year or waiting two more years.

We know exactly which lenders will back your strategy — and which ones will waste your time. So we cut straight to the ones that matter and negotiate hard.

• Maximum borrowing capacity — structured so each property doesn't kill your ability to buy the next one.

• Competitive investment rates — sharp enough to protect your cash flow and your tax position.

• Flexible features — offset accounts, interest-only periods, and redraw facilities that actually suit investors.

• Fast pre-approvals — so when the right property comes up, you can move on it.

Here’s what sets Lender Edge apart

We're legally bound under Best Interests Duty to act in your favour — not the lenders'. In practice, that means we'll negotiate aggressively on your behalf, push back on lender policies that don't make sense for your situation, and find creative structures when the standard options don't cut it.

For investors, that matters more than it does for anyone else. Because the difference between a loan structure that works and one that doesn't isn't just about the rate — it's about whether you can actually keep building.

Choosing the right structure for your strategy

There's no single "best" loan structure for investors. The right one depends on your timeline, your tax position, your cash flow, and how aggressively you want to grow. Here's how the main options stack up — and who they suit.

Interest-Only Best for investors focused on capital growth and tax deductions. You pay only the interest, so your monthly repayments are roughly 40% lower than principal and interest. That means more cash flow in your pocket, higher interest deductions at tax time, and more capacity to deploy savings into your next deposit. Typical interest-only terms run 1–10 years, after which the loan converts to P&I unless you refinance. This is the structure most portfolio builders use, particularly high-income earners who want to maximise their deductions.

Principal & Interest Best for investors who want to build equity faster or are within 10–15 years of retirement. Your repayments cover both interest and principal, so the loan shrinks over time. You pay more total interest than interest-only in the short term, but you're reducing risk and building equity with every payment. A good fit if your strategy is about paying down debt rather than scaling up.

Fixed Rate Best for investors who want certainty and protection against rate rises. You lock in a rate for 1–5 years, which gives you predictable cash flow and a hedge if rates climb. The trade-off is break fees if you sell or refinance early, and you miss out if rates fall. Suits investors with tighter cash flow margins who need to know exactly what they're paying each month.

Split Loan (Part Fixed, Part Variable) Best for investors who want a bit of both — rate protection on one portion, flexibility on the other. A common split is 50/50, but we'll tailor it to your situation. You get partial protection against rate movements while keeping some capacity for extra repayments or redraw. A solid middle-ground structure for most investors.

We'll match the structure to your investment strategy, tax position, and risk tolerance — not just pick the cheapest rate. One conversation is all it takes to work out which one fits.

THE PROCESS

How we structure your investment finance

From first conversation to settlement, here's how it works. It's straightforward — the complexity is our job, not yours.

Step 1 — We map out your strategy. A single conversation about where you are now and where you want to be. How many properties. What timeline. What your cash flow looks like. Whether you're focused on growth, income, tax efficiency, or some combination. We need to understand the whole picture before we touch a single loan application.

Step 2 — We find the lenders that actually work for your situation. Not every lender treats investment loans the same way. Rental income calculations, interest-only policies, how they assess serviceability when you've got multiple properties — it varies enormously. We cut straight to the lenders whose policies align with your strategy and ignore the rest.

Step 3 — We recommend a structure. Based on your goals, tax position, and cash flow, we'll put together a recommendation — or a shortlist — with clear reasoning behind each option. Rate, structure, features, and how it positions you for the next purchase. Not just the cheapest option. The smartest one.

Step 4 — We handle the application. Once you're across with the recommendation, we manage the paperwork, the valuation, lender queries, and everything through to approval. You focus on finding the property. We focus on getting the finance sorted.

Step 5 — We keep looking ahead. After settlement, we don't disappear. When you're ready to buy again — whether that's six months later or three years — we already know your portfolio, your borrowing position, and your goals. The next one is faster.

WHAT IT LOOKS LIKE IN PRACTICE

Here are two illustrative situations — and how the right finance structure can make the difference.

The investor who was about to hit a wall.

A landlord in Adelaide Hills with two investment properties and a home loan, all with the same bank. Combined portfolio value around $1.2 million. Good rental income. Solid job. On paper, everything looked healthy.

But when they went to buy property number three, the bank said no. The problem wasn't their income or their savings — it was the way their existing loans were structured. All three properties were cross-collateralised, meaning the bank held security over everything at once. Their borrowing capacity, on paper, was already maxed.

We reviewed the existing portfolio and found two things. First, one of the investment loans was sitting on a standard variable rate that was 0.8% above what was available elsewhere — nobody had checked in two years. Second, the cross-collateralisation wasn't necessary and was actively limiting their ability to borrow again.

We refinanced both investment properties to separate lenders — breaking the cross-collateralisation, picking up a sharper rate on the first one, and structuring the second as interest-only to free up cash flow. Within a few months, their borrowing capacity had opened up enough to move on property three.

Same income. Same savings. Different structure. Different outcome.

The investor planning to scale fast.

A couple in their early 40s with one investment property and a clear goal: build a portfolio of four properties within five years. They had good combined income, decent equity in their home, and a property in the Fleurieu Peninsula that had gone up in value since purchase.

The temptation — and what their bank suggested — was to keep everything simple: one lender, standard P&I loans, done. The problem with that approach was maths. P&I repayments on each property eat into cash flow and borrowing capacity as the portfolio grows. By property three, the repayments would have been tight enough to make property four very difficult.

We structured it differently. The investment properties went on interest-only terms — lower repayments, higher tax deductions, and more cash flow to deploy into the next deposit. Each loan went to a different lender, keeping them separate and preserving borrowing capacity. And we used the equity in the Fleurieu property strategically — accessing it as a deposit for property two without cross-collateralising.

They're currently at property three, on track for four within the original timeline. The structure made it possible. The rate was part of it — but only part.