Investment loans, structured for the next purchase.

Loan structuring is how your loans are set up: which lender holds each loan, which property secures it, how the loans are split, and how offset accounts and repayments are arranged. Two investors can buy the same property at the same rate and end up in very different positions, because one structure leaves room for the next purchase and the other does not.

Danny plans the structure before you buy. He maps your current loans, income and goals, works out how much borrowing capacity each step is likely to use, and sets up each new loan so it supports the plan rather than working against it.

Cross-collateralisation happens when one loan is secured by more than one property, or when several properties are tied together with the same lender. It can look simple at the start. Later it can make it harder to sell a property, refinance or use your equity, because the lender holds more security than it needs.

Where it suits your plans, Danny sets up each loan as a standalone loan secured by its own property, with the deposit and costs funded through a separate split. If your loans are already cross-collateralised, he can review whether restructuring is worthwhile, including the costs involved.

Your borrowing capacity is not a spending limit. It is a resource. Each lender assesses your existing debts in its own way, so the lender you use for one purchase can change how much you can borrow for the next.

Lender sequencing means planning which lender is used at each step, so earlier loans do not use up capacity you will need later. Danny looks at how lenders on our panel are likely to treat your income, existing loans and rental income, then recommends an order that keeps your options open. Every application is still subject to the lender's own assessment and approval.

Yes. Many lenders on our panel lend to companies and trusts, including family trusts and unit trusts, usually with personal guarantees from the directors or trustees. The lending policy, documents and pricing can differ from a personal loan.

Whether a company or trust is right for you is a tax and legal decision, and it sits with your accountant or solicitor. Once they have set the ownership plan, Danny structures the lending to fit it, checks which lenders will accept the structure, and keeps everyone updated through to settlement.

Yes. Blocks of units, dual-income properties and other multi-income properties are assessed differently from a standard house or apartment. Lenders look at things like the number of dwellings, whether they sit on one title or are strata titled, the zoning and the rental income. Some lenders treat larger blocks as commercial lending.

Danny invests in this kind of property himself through his own company, so he understands the owner's side as well as the lender's. He checks which lenders on our panel suit the property before you commit.

If your property has grown in value or your loan balance has come down, you may have equity that could support your next purchase. How much of it can be used depends on a current valuation, the lender's limits and your borrowing capacity.

Danny works out what may be available, then sets up any equity release as a separate loan split, so it is clear what each part of the debt was used for. That separation can matter for your records and for the tax questions your accountant looks at.