Start with the questions that matter
How much usable equity do we have?
How will lenders treat the rental income?
Will this structure limit our next purchase?
Plan the lending before the purchase
We review the proposed purchase alongside your existing lending, income, expenses and available equity. This helps identify a workable price range and whether the structure supports future flexibility.
We can also discuss the lending implications of buying personally, jointly, through a company or through a trust. Ownership, tax and legal decisions must be confirmed with your accountant and lawyer.
What we can help assess
- Available deposit or usable equity
- How lenders may assess rental income and expenses
- Servicing across existing and proposed lending
- Loan splits and security arrangements
- Interest-only and principal-and-interest repayment options
- Refinancing or rebalancing an existing portfolio
- Lending considerations for different property types
Keep risk visible
Rental income may not cover every cost. Interest rates, vacancies, repairs, insurance, rates, tax treatment and unexpected work can affect cash flow. We help test the lending structure against realistic costs rather than relying only on an expected capital gain.
Cross-securing several properties may simplify an application but can reduce flexibility later. Where relevant, we explain the practical lending trade-offs so you can discuss the legal and tax consequences with the appropriate professionals.
Advice for the portfolio, not just the purchase.
We look beyond approval for one property. The advice considers how today's security and loan structure could affect cash flow, flexibility and your ability to act on a future opportunity.
OneLife Financial provides lending advice, not property, legal, accounting or tax advice. Property returns and capital growth are not guaranteed.
