Portfolio Mortgage Review
Trapped Equity, Lending Walls, Cash Flow... Let's Unlock Your Next Move.
The full structural review for portfolios of four or more properties. A big service — and honestly, most people don't need it. Start with a free 15-minute chat and we'll tell you straight.
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First — You Might Not Need the Full Review
Buying your next property? A pre-approval covers it. Free.
A loan or two due for renewal? A refix or restructure session sorts it. Also free.
The Portfolio Review is for when the whole portfolio needs rebuilding as one system — four or more properties, multiple banks, mixed structures, trusts or LTCs, and lending decisions that all affect each other. When that's you, it tends to pay for itself: one four-property restructure below put $5,557 a month back into the owners' cash flow.
Not sure which you are? That's exactly what the free 15-minute chat is for. We'll point you at the right service — even when it's not this one.
The Details
What the Review Covers
Instead of vague questions, we look for specific money:
- Loan structure — interest-only vs P&I across every property, offset and revolving credit, rate averaging, and what your current setup really costs each month.
- Bank lending walls — every bank shades rent and tests servicing differently. A "no" from your bank isn't a no from the market; we map your DTI and LVR headroom across 22 lenders.
- Asset protection — cross-secured loans can put your family home behind your rentals. We plan split banking so one bad tenant can never reach your house.
- Ownership structure — trusts and LTCs assessed with your accountant for tax efficiency and long-term fit.
- Trapped usable equity — quantified property by property, with a plan to release it for your next move.
You leave with a written plan, whether or not any lending changes — apply here when you're ready.
Not sure the full review is for you? That's what the free 15 minutes is for.
Tell us what you own and where you're headed — we'll point you at the right service, even when it's not this one.
Investor Restructure Outcomes
Four properties and seven loan facilities, costing $14,796 a month. Most of the debt wasn't tax-deductible, everything was on principal and interest, and six of the seven loans were due to re-fix inside a nine-month window in 2026 — putting every rate decision into the same period.
We restructured the lending into three interest-only tranches with staggered 2-, 4-, and 3-year fixes, used cash-back to cover the transition costs, and moved the rentals into an LTC. We also set up a $100k revolving credit against their $47,200 in savings, so spare cash now works to pay the debt down faster.
Same total debt, better tax position, and no maturity wall in 2026. Repayments dropped to $9,239 a month — that's $5,557 back into their cash flow every month, or $66,684 a year before any rate movement.
Five investment properties and $1.38 million of lending, fixed between 5.79% and 6.79% — some interest-only, some principal and interest. They were bleeding about $300 a week in repayments they didn't need to make, and hadn't clocked it; they'd assumed that was just the game. They were natural savers wanting to build the next deposit, so we moved the lending to 10-year interest-only terms and put $20,000 towards clearing the break fees.
Cash-flow positive from the restructure alone — with principal repayments paused across the full portfolio, over $50,000 of cash flow was freed in the first year, without buying or selling anything. Spare cash now builds the next deposit instead of servicing a structure they didn't need.
See a restructure on screen
What Happens in a Portfolio Review
Three-plus meetings over a few weeks, built to take a complex portfolio from "it's probably fine" to a structure you chose on purpose.
Portfolio Q&A
We map everything: every property, loan, rate, bank and entity. Bring your spreadsheet — or attach it to your application — and we'll build the full picture together.
Structure & Cash-flow Modelling
The Strategies meeting. We model what your current setup really costs: interest-only vs P&I, offset and revolving credit, break fees, and where the cash flow is leaking.
Strategy Workshop
The Options meeting. Your choices side by side: DTI and LVR headroom across 22 lenders, split banking to protect the family home, and pathways to the next purchase.
Your Portfolio Blueprint
A written recommendation: the restructure plan, the ownership check to run past your accountant, and the sequence to do it in. Yours to keep either way.
Implementation & Annual Review
We execute the plan with the lenders, then re-check the structure each year as the portfolio grows — so it never drifts back to "set and forget".
Apply for Your Portfolio Review
Tell us who you are and what you own — either type the portfolio in below or upload the spreadsheet you already keep. We'll come back within one business day to confirm the review is worth it for you before anything is booked or billed.
Application received!
Thanks — we'll review your portfolio details and come back within one business day. If it's urgent, call us or book a free 15-minute chat.
Prefer to run your own numbers first? Grab the Calculator Stack — the Usable Equity and Investor Cashflow sheets included — or check your borrowing power, then apply or book when you're ready.