The way your investment lending is structured can determine whether you can buy the next property.
This often only becomes clear when attempting the next purchase.
By then, the structure is already in place — and changing it can be complex and costly.
We work with a limited number of new clients at a time. Complete the questions below and we’ll offer you available meeting times.Investment property lending is not complicated to get approved. It is complicated to get right.
The lender you choose, the loan structure you use, the entity you purchase in, and the way your existing portfolio is held all affect your ability to borrow again. A structure that works for the first property can limit the path to the second or third.
Clients engage Key Choice Lending to build a lending structure around their portfolio goals — not just their current purchase.
An investment loan is not a product decision. It is a strategy decision.
Interest only versus principal and interest, offset versus redraw, fixed versus variable, trust versus personal name — each of these choices has implications beyond the current transaction. Getting them right from the beginning supports your ability to continue building.
This is why we start with your portfolio position, not a rate.
What We Do
Before we recommend a structure, we assess:
- Your existing property holdings and how they are financed.
- Your borrowing capacity now and across a five-year horizon.
- Your entity structure and tax position.
- Your cash flow and serviceability under current conditions.
- Your short and long-term portfolio objectives.
Only then do we design a lending structure that supports where you are going — not just where you are.
The CARE Framework
How We Work With Property Investors
A four-step process refined over 3,000+ client engagements.
Clarify
Understand your position and goals
We establish your full investment position — existing portfolio, entity structure, cash flow, and objectives — before making any recommendations.
Advise
Design the right lending strategy
We eliminate lenders that don't fit your investment structure before identifying those that will. We assess policy, serviceability, and pricing only after narrowing to lenders who will support your strategy correctly — including those with the most competitive investor-specific products across our panel of 70+ lenders. Where relevant, we connect you with 80 Metrics Property Advisory for independent suburb and property analysis before capital is committed.
Execute
Secure the right structure and outcome
We manage the entire process from application through to settlement — coordinating with your accountant and solicitor as required. The complexity stays with us. The clarity sits with you.
Review
Protecting and growing what you have
We monitor your investment lending rates and submit pricing requests to your lender on your behalf. As your portfolio grows and your borrowing position evolves, we stay close to your situation so you are always positioned to act when the next opportunity arises.
This engagement is for you if:
- You are purchasing, refinancing, or restructuring an investment property and want a considered lending strategy — not just an approval
- You are building a portfolio and want your lending structured to support the next acquisition, not just the current one
- You are open to understanding how lending structure, property selection, and portfolio positioning work together
- You want independent access to property data and advisory when the decision requires it
This engagement is not suitable if:
- You are looking for the fastest approval with the least amount of engagement
- You want a rate comparison and nothing more
- You have already selected a lender and simply need someone to lodge the application
- You are not prepared to share a full picture of your financial position and existing portfolio
If this aligns with your situation, you can apply below.
Matthew Clark
Founder & Head of Client Strategy
Dip. Fin. Services (Mortgage Broking) | Dip. Prop. (Agency Mgmt) | QPIA | Amazon Bestselling Author x2
Credit Representative Number 508009 | Australian Credit Licence 538623
$1B+ in lending facilitated since 2001 | 70+ lenders | 3,000+ clients supported
Key Choice Lending — Winner Better Business Awards 2024, Finalist 2025 & 2026