Start building a wealth strategy
Investment lending is a different beast entirely. It’s all about finding a lender whose policy allows you to buy property number two, three, and four. At VaultFin, we help investors build scalable portfolios through smart, forward-thinking debt structures. We find you a loan and build a roadmap that protects your borrowing power for the long haul.
Overview
If you’re looking to grow a portfolio, you’ve probably realized that the standard advice for home buyers doesn’t apply to you. Investors operate in a world with its own set of traps.
What investors need You need more than a headline rate that looks good on a billboard. You need flexibility and longevity. A “cheap” loan that locks you into a restrictive policy is actually the most expensive loan you can have if it stops you from buying property number two or three. You need a lending structure that leaves the door wide open for your next acquisition in eighteen months, rather than one that caps your borrowing capacity the moment you settle.
Why structure matters The biggest mistake we see is “cross-collateralisation” where a bank ties all your properties together. It sounds easy, but it gives the bank total control over your profit if you ever want to sell. We focus on “stand-alone” structures. By keeping your properties independent, you stay in the driver’s seat.
Lending challenges for investors Lending has become a game of “stress tests.” Banks will assess your loans at interest rates 3% higher than what you’re paying, which can make your borrowing capacity vanish overnight. On top of that, they “shade” your rental income, often only counting 80% (or less) of what you actually collect. These hurdles are designed to slow you down. Our job is to navigate them. We match your specific profile with lenders who have an appetite for growth and use more favorable calculators to keep your momentum going.
Investor Tools
Equity Review
We don’t wait for you to call us. We proactively monitor your properties’ values. When the market moves up and you’ve built enough “lazy equity,” we’ll be the ones calling you to say, “It’s time to unlock that deposit for the next one.”
Portfolio Mapping
We provide a clear, visual breakdown of your debt-to-equity ratio across your whole portfolio. You’ll see exactly where your wealth is sitting and which properties are performing the heavy lifting.
The Investor Strategy Session
Are you chasing capital growth in Melbourne’s inner suburbs, or are you looking for high-yield cash flow in regional hubs? We match the lending to the goal.
How We Support Investors
Borrowing Power Growth The way a bank “sees” your rental income can vary wildly. Some lenders will only count 60% of your rent, while others might go up to 80% or higher. We know which lenders are “investor-friendly” and how to present your portfolio so the bank sees your income at its strongest. We look for the gaps in policy that allow you to push your borrowing capacity further than a standard high-street bank would allow.
Interest-Only Strategies For many investors, “Principal and Interest” repayments can kill cash flow early on. We often implement interest-only periods (usually 1 to 5 years) to maximize your tax deductibility and keep your monthly outgoings lower. This allows you to redirect that extra cash into your non-deductible debt (like your own home loan) or save for your next deposit much faster.
Portfolio Structuring We treat your portfolio like a business. This means looking at how debt is allocated and ensuring you have the right “buffer” in place. We help you set up multiple offset accounts so your rental income is working to reduce your interest every single day, while still keeping that cash accessible for maintenance or future acquisitions.
Multi-Property Planning We don’t only look at the next purchase rather we look three moves ahead. This often involves “lender hopping”, that is, strategically placing your first two loans with Lenders A and B so that your borrowing power remains “clean” for Lender C down the road. It’s a game of chess, and we’re here to make sure you don’t end up in checkmate after property number two.
Stop “collecting” properties and start building a roadmap..
The difference between a “standard” super fund and a strategically managed SMSF can be worth hundreds of thousands of dollars by the time you retire. If you’re ready to stop being a passive observer and start being an active investor, let’s talk.