79% of households don’t own an investment property.
We show how.
Many people think its out of reach. We show you exactly what’s possible.
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![3 year savings]()
Average extra paid by borrowers with loans 3-5 years old vs. new customers *
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![10 year savings]()
Extra paid by borrowers with loans over 10 years old
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![Loan Savings]()
Potential savings for $1m loan by switching
WHO WE HELP
Home owners wanting to become investors but haven’t made the leap.
Getting started is often the hardest point. However, the first investment may be closer than you think.
Novice first time investors
You’re just putting your toe in the water. We map out your options clearly to show you what’s possible, and the steps to get there.
Advice seekers
Investing is more than buying a property. We can connect you to our network of helpful advisors to navigate tax, trust or retirement planning approaches.
Equity ready home-owners
If you own your home, and have good equity. We can fast track your journey to investment property ownership.
Request your free property value report on your current home.
Renters looking to buy
A great strategy is rent-vesting. Getting onto the property market while still renting. Rent where you want to live. Buy to build wealth.
WHAT WE DO
We create the best loan setup for tax and wealth creation.
It’s more than the best rate (which we always aim for), but how its best structured for overall benefit for you.
Optimise your borrowing potential
We look at your full picture. We can reduce your home loan repayments, while maximising your investment potential.
Search across 40 lenders, 100’s of loan options
We find the sharpest investor rates and the right structure for your situation.
Structure your lending for tax and growth
We structure your lending to maximise your tax position and cash flow from day one, in collaboration with accountants and planners if needed.
We manage the whole process
We manage the whole application, liaise with the banks, and keep things moving.
Help you build a portfolio
Once you’re in, we review your situation regularly so you’re positioned to buy your next property at the right time.
BEFORE YOU INVEST
What most investors wish they’d known earlier
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Most people put off refinancing because they think it's a hassle. In reality, a straightforward refinance can be done in 2-3 weeks with less effort from you. We handle the paperwork, the lender, and the discharge of your old loan.
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The ACCC inquiry found that banks were explicitly aware that existing customers paid higher rates than new ones. And did nothing about it unless pushed. It's not an oversight. It's a strategy that relies on borrower inertia. The only way to fix it is to act.
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We provide clear savings, even after fees so you know the exact impact refinancing can do for you.
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ACCC data showed borrowers with loans under 1 year old pay 0.29% more than new customers. By 3–5 years it's 0.58%. Over 10 years it reaches 1.04%. Loyalty is costing you more every year you don't act.
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Self-employed or irregular income doesn't automatically disqualify you. We know which lenders assess non-standard income most favourably, and how to present your situation to give you the best shot at a competitive rate.
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We're paid a commission by the bank so our advice costs you nothing. We’re also bound by law to always recommend what’s in your best interests.
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If you have strong equity, we can do more than refinancing for a better rate. Many options arise like cash outs for home improvements, investing or other purposes.
CALCULATE YOUR SAVINGS
How much could you save?
* Loan Savings Sources:
ACCC Home Loan Price Inquiry Final Report (2020) · RBA lending rate data · Finspo loyalty tax tracker (2024). The gap has fluctuated over time but has never closed.
Find out how much you could save
A free 30-minute call is all it takes.
We'll find out if you're overpaying, who you could switch to, and whether it's worth moving. No obligation, no hard sell.