Matthew Clark
Founder & Head of Client Strategy
Dip. Fin. Services (Mortgage Broking) · Dip. Prop. (Agency Mgmt) · QPIA · Credit Rep. 508009 · ACL 538623 · Amazon Bestselling Author ×2
Investment Property Lending
Strategic Lending Advisory
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.
The decisions made on the first or second property are the ones that typically limit — or enable — the third.
Apply for a Strategy Session →Questions? Call us on (03) 4329 0901 — Mon–Fri 9:00am–6:00pm
An investment loan is not a product decision. It is a strategy decision.
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.
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. 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.
Assess
Assess your lending options
We eliminate lenders that don't fit your investment structure before identifying those that will. We assess policy, serviceability, and pricing across our panel of 72+ lenders, including those with the most competitive investor-specific products.
Recommend
Recommend the right strategy
We recommend a strategy based on your portfolio and position and explain it in plain English. Where relevant, we connect you with 80 Metrics Property Advisory for independent suburb and property analysis before capital is committed.
Execute
Secure the outcome and stay supported
We manage the entire process from application through to settlement — coordinating with your accountant and solicitor as required — and continue to support you as your portfolio and borrowing position evolve.
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.
FAQ
What clients ask before engaging Key Choice Lending for investment property finance.