Investors & Developers: When Our Expertise Is Right for You
Property investors and developers often borrow against income that moves with the cycle, or against a project with a complex structure, and the finance has to be arranged with that in mind.
This includes clients with non-linear income, project-based earnings, or those requiring structured proposals to demonstrate viability to lenders.
We support scenarios where tax implications, capital gains considerations, and borrowing capacity must be balanced, working alongside accountants to align financial outcomes with lending strategies.
We can guide you on structuring deals, preparing your case for lenders, and meeting requirements such as those for construction funding and valuations.
We provide support across both short and long-term strategies, including trust and SMSF structures, while keeping each proposal clear and presenting each project to lenders on its merits.
Why Oakwood / Role of a Broker
As a broker, we provide guidance and support tailored to property investors, from a first investment property through to a portfolio held across several lenders. Our services include:
- Market knowledge: we keep across the investment lending policies of 70+ lending partners, so you can see which options may suit your position.
- Personalised service: by understanding your goals, cash flow and existing commitments, we identify options aligned with your requirements.
- Structure and planning: we discuss ownership and loan structure with you before you buy, and work alongside your accountant or adviser where you have one.
- Application process: we prepare and lodge your application with the lender, with the documentation in order and in line with that lender’s requirements.
- Ongoing support: from the lender’s initial assessment through to settlement and beyond, we remain your point of contact, including when an interest-only period or fixed rate is due to end.
If you are ready to take the next step, speak to our team.
The ceiling can be structural
Investors can stall for structural reasons as well as financial ones. The income may be there; the way the first two or three deals were set up can be what stops the fourth.
The three things that limit a portfolio
Cross-collateralisation. Every property securing every loan means every decision needs one lender’s consent, and the equity in your strongest asset quietly supports your weakest. Standalone loans keep more options open, although separating an existing arrangement can involve costs that depend on the lender, and we explain those before you decide.
Concentration with one lender. Each lender applies its own servicing model to your whole position. Once you reach their ceiling you may be unable to borrow more with that lender, whatever a different lender would say about the same numbers. Splitting a portfolio deliberately across two or three lenders is a capacity decision, not an administrative one.
Rental shading and assessment rates. Many lenders take only part of the rent into account and test repayments at a higher rate than the one you pay. The two effects add up across a portfolio, so a lender’s limit can arrive well before your own.
For developers
Funding is assessed mainly on the project rather than your balance sheet: the feasibility, the total cost and the expected sales value. Limits against cost and against expected realisation vary by lender, and the lower measure commonly governs. Presale conditions on bank senior debt can add to the total cost, so a cheaper margin on paper may not be the cheaper loan overall. See development finance.
Timing and rate
On an investment purchase, the finance clause and the valuation are what can put deals at risk. Where a lender’s process allows it, we can ask about the valuation early, so a disappointing number is not a surprise late in the process. On a competitive site, being able to go unconditional with confidence can matter as much as a small difference in margin.
What investors come to us for
Investment lending · Restructuring an existing portfolio · Development finance · Commercial property · Buying inside super · Short-term private funding
Start here
Get the property investor guide Get the development finance guide Get the commercial premises guide