Smart Finance for
Smart Property Investors
Get strategic mortgage solutions that help grow your portfolio, reduce risk, and improve tax outcomes.
Finance Solutions for Property Investors
Whether you’re purchasing your first investment property or building a multi-property portfolio, Ellerfield offers strategic mortgage advice designed to maximise your investment outcomes. We help you structure your loans to support growth, manage risk, and optimise after-tax returns.
Investment Loan Strategies
Smart Loan Structures for Better Returns
Interest-Only Loans
Free up cash flow in the short term, allowing more flexibility during the acquisition or renovation phase
Optimised LVR Structuring
Use available equity strategically while managing exposure and cash buffer needs.
Split Loans
Combine fixed and variable loan components to balance flexibility and certainty.
Offset Accounts
Reduce interest on investment loans while keeping savings accessible.
Understanding Cross-Collateralisation
Cross-collateralisation occurs when multiple properties are used to secure one or more loans. While sometimes convenient, this structure can expose you to unnecessary risk:
- Limits your ability to sell or refinance individual properties independently
- Can trigger reassessments across the portfolio if one asset underperforms
- Often reduces flexibility in managing loans across lenders
We’ll help you assess whether stand-alone loan structures may provide better long-term control and risk mitigation.
Tax-Effective Structuring
Loan structuring can significantly impact your after-tax returns. We work alongside your accountant to:
- Maximise deductible interest
- Separate personal and investment debt
- Establish appropriate ownership structures (e.g. individual, trust, company)
- Align borrowing with depreciation schedules and income planning
Managing Your Property Portfolio
As your portfolio grows, your finance strategy should evolve too. We support investors with:
- Equity release and recycling strategies
- Annual portfolio reviews
- Refinancing options across lenders
- Access to tools for cash flow forecasting and capital growth tracking