Client Background
James and Sophie, a couple in their early 30s, wanted to start building wealth through property investment. They had one existing property and were eager to expand their portfolio, but they were unsure how to structure additional loans to maximise borrowing power and long-term returns.
Challenges
- Uncertainty about how to structure multiple investment loans efficiently.
- Limited knowledge of lender policies for investment properties.
- Desire to ensure each property contributed to long-term ROI and cash flow.
- Concern about tax implications and financial risk management.
How Sarah Rose Finance Helped
- Comprehensive Financial Assessment:
We reviewed James and Sophie’s current assets, liabilities, and income to determine borrowing capacity and identify opportunities to leverage equity from their existing property. - Strategic Loan Planning:
We designed a tailored investment loan strategy, including the best combination of principal & interest and interest-only loans, while considering offset accounts and repayment flexibility. - Property Selection Guidance:
We advised on property types and locations with strong rental yields and potential for capital growth, ensuring each investment aligned with their long-term goals. - Lender Comparison & Application Support:
We compared multiple lenders to find competitive rates and loan features suited for multi-property investment. We prepared and lodged applications, handling all communication with lenders to minimise stress. - Ongoing Portfolio Support:
After securing the loans, we provided ongoing guidance for refinancing opportunities, monitoring interest rates, and strategies to optimise cash flow and ROI across the portfolio.
Results
- James and Sophie successfully acquired two additional investment properties within 12 months.
- Their portfolio was structured to maximise borrowing capacity and provide strong rental yields.
- They gained clarity on tax implications and long-term growth strategy, reducing financial risk.
- They now have a roadmap to continue expanding their property portfolio strategically, with professional guidance at each step.
Client Testimonial
“Sarah Rose Finance transformed our investment journey. We didn’t just get loans — we got a plan that works. The team guided us through every step, helped us structure our portfolio efficiently, and gave us the confidence to grow our wealth through property.” — James & Sophie, Sydney