We are not here to simply process loans. Our goal is to guide you, provide honest advice, and help you build a strong property investment foundation — even if it requires a little extra effort at the start.
Our Strategy for Smart Property Investing
Investing in property is different from buying a home to live in. While the same banks and loan products may be used, investment decisions require deeper planning, strategy, and long-term financial thinking.
We believe successful property investment starts with the right strategy. Instead of focusing only on the first loan, we help you plan your next 2–5 property purchases so your investment journey is structured from the beginning.
Our approach goes beyond arranging finance. We work with you to understand your goals, explore suitable options, and ensure your financial structure supports long-term growth. We encourage our clients to stay informed, ask questions, and work closely with their accountant or financial advisor when making investment decisions.
Low-Doc Loans
Low-doc loans are designed for self-employed borrowers who may not have traditional income documentation. These loans provide flexible lending options while still allowing you to access competitive financing solutions. Low-doc lending can support up to 90% LVR depending on the lender, with more flexible options typically available around 80% LVR. These loans can be suitable for various situations including SMSF lending, bridging finance, and commercial property purchases.
Most lenders review your Business Activity Statements (BAS) to estimate your income. The figures are analysed and averaged to determine borrowing capacity.
Some lenders allow income adjustments such as adding back director wages or business expenses.
Certain lenders may calculate income based on industry benchmarks and business turnover.
Additional expenses, tax obligations, or debts may also be considered when finalising the income assessment.
An accountant’s letter can be used to confirm business income. This is a straightforward option where your accountant verifies your earnings based on your financial records
In some cases, lenders may review 6 months of business bank statements to understand cash flow and income patterns. This option may involve closer assessment but can still support a successful loan application.
Different lenders have different policies. Some may overlook certain business debts, while others may use alternative income verification methods to support your application.
Investment Strategies & Key Concepts
Our resources cover a wide range of property investment strategies. Below are some of the important concepts we explore with our clients. You don’t need to fully understand everything at the beginning — we guide you through the strategies that best suit your financial goals and investment plans.
Balancing Growth & Stability in Your Portfolio
Depending on your financial goals, strategies may include:
• Using available equity to purchase cash-flow positive investment properties through specialist lenders using structures such as trusts or companies.
• Accessing maximum equity through alternative lenders and using those funds to invest in commercial or lease-doc properties through structured investment entities.
• Using concessional contributions to strengthen your superannuation fund and invest in property through SMSF structures.
• Refinancing your existing portfolio to interest-only loans to improve cash flow and release additional equity for future investments.
• Maintaining low Loan-to-Value Ratios (LVR) to improve financial safety while securing competitive loan rates.
Debt Structuring through Trusts & Companies
Using the right ownership structure such as individual ownership, trusts, companies, or SMSFs can help manage tax efficiency, asset protection, and borrowing capacity. We help you understand the advantages and considerations of each structure.
Efficient Debt Recycling
Debt recycling strategies allow investors to convert non-deductible debt into tax-effective investment debt, helping build wealth more efficiently over time.
Faster Property Acquisition
With the right preparation and lending structure, many loan applications can be processed quickly. In some cases, approvals can occur within the 5-day cooling-off period, helping you secure competitive offers on property purchases.
Investing Through Advanced Financial Structures
Debt Structuring through Trusts & Companies Using the right ownership structure such as individual ownership, trusts, companies, or SMSFs can help manage tax efficiency, asset protection, and borrowing capacity. We help you understand the advantages and considerations of each structure.
SMSF Property Loans
Self-Managed Super Funds can invest in both residential and commercial properties. With the right loan structure and servicing approach, leveraged property investment through SMSF can become a powerful retirement strategy.
Commercial Property Investments
We assist investors looking at commercial property opportunities, including owner-occupied properties, lease-doc lending options, and SMSF commercial investments.
Investing Through Advanced Financial Structures
Debt Structuring through Trusts & Companies Using the right ownership structure such as individual ownership, trusts, companies, or SMSFs can help manage tax efficiency, asset protection, and borrowing capacity. We help you understand the advantages and considerations of each structure.
Development Finance
For property development projects, funding options may include private lending, mezzanine finance, and project-specific development loans, depending on the project scale and structure.
Managing Liquidity, Risk & Diversification
Successful investors maintain balance between property investments, cash reserves, and other asset classes.
Our Mortgage Process
Initial Consultation
We begin with a discussion to understand your financial goals, income, and borrowing capacity. This helps us identify the best loan options for your situation.
Application Preparation
We prepare and submit the loan application with all required documents to ensure a smooth and accurate submission.
Financial Assessment
Your financial documents such as income details, expenses, and credit history are reviewed to determine loan eligibility and suitable lenders.
Lender Approval Process
The lender reviews the application and may request additional information. We coordinate with the lender and guide you through each step.
Loan Options & Recommendation
Based on the assessment, we compare lenders and loan products to recommend the most suitable option that matches your needs.
Loan Approval & Settlement
Once approved, we assist with final documentation and settlement to ensure the loan process is completed smoothly.
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Additional Considerations
Specialised Investment Typesport
We are familiar with co-living and NDIS investments, but typically recommend them only as part of a broader strategy.
Cross Collateralisation
In most cases, we avoid cross collateralisation to maintain flexibility and reduce risk, except in certain business lending situations.
We also guide clients on key loan features such as offset accounts and redraw facilities to improve financial efficiency.
How Finchos Helps with SMSF Loans
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