Stage 5 · Property outside the business
Property outside the business, so profits build something you own.
Strong trading is the time to build assets in your own name. We look at business and personal borrowing together, so each property is planned against the next.
Who it’s for
Owners with strong, consistent profits who want commercial or residential investment property in their own names.
What we finance
- Commercial investment property
- Residential investment property
- Home loans for owners and their families
- Equity release and refinancing
- Lending spread across lenders as the portfolio grows
How we approach it
- Business and personal togetherYour company, trust and personal borrowing seen as one balance sheet.
- Each loan against the nextStructured so one lender's policy doesn't cap the whole portfolio.
- Consumer lending by NickHome and residential investment loans are provided by Nick through The Lending Lab, with responsible lending obligations.
The numbers behind it
Business finance review
Before you borrow personally, check the business facilities still fit how you trade, so they support the next step rather than block it.
Questions
Can my business income help me borrow for an investment property?
Yes. Lenders assess your share of the business's profits, so a business presented properly, with genuine add-backs and current trading, often supports more personal borrowing.
Who arranges my home or residential investment loan?
Consumer and residential lending is provided by Nick through The Lending Lab, under responsible lending obligations.
Should I use more than one lender as my portfolio grows?
Often, yes. Spreading loans across lenders can stop one bank's policy from capping everything. We plan the structure loan by loan, with your business facilities in view.
Client stories
The vet practice capped at $3.0m
Lenders could not read the owner's income, so his capacity stalled at $3.0m and he kept missing out on properties. The business was performing. The paperwork was not telling that story.Capacity lifted to $6.5m.Read the story →Industrial property, metro Brisbane · 2024Declined twice. Then $1.5m of equity in nine months.
A freestanding industrial property, bought run-down off private treaty and turned around. The deal had been knocked back before it reached us. Nine months later it carried over $1.5m of new equity, sitting outside the client's business.Over $1.5m of equity uplift in nine months.Read the story →CBD retail, Brisbane · 2025The bank said no. The asset shows a projected 55% IRR.
A freehold multi-tenant CBD retail centre, previously knocked back, structured so the client could buy a multi-million-dollar asset without touching the balance sheet of the business that funds their life.A projected 55% IRR, business balance sheet left intact.Read the story →Back to the start
Every stage, on one pageWe arrange finance; we do not give investment or financial product advice.