PROPERTY INVESTORS
Build and optimise your property portfolio.
Strategic lending structures to maximise tax efficiency, leverage equity, and grow your wealth with personal guidance from Cornell Mortgages.
Clear guidance from strategy and structuring through to settlement.
Investor Lending Strategy Check
Tell us what you are planning so we can identify the lending questions that need to be addressed.
HOW WE CAN HELP
Set up for long-term growth.
Leverage existing equity
Use your current property's equity as a deposit for your next investment. We help you estimate your accessible equity and how to use it.
Optimise loan structures
Whether you need interest-only repayments or offset accounts, we help align your finance with your wealth strategy.
Understand borrowing capacity
See how potential rental income affects your ability to borrow, and how different lenders treat investment income.
WHY WORK WITH US
Strategic finance for serious investors.
Understand your true buying capacity
We evaluate your existing equity and assess how lenders will treat your proposed rental income to determine exactly what you can afford to invest.
Compare investment options
We analyze various investment loan products, comparing interest-only versus principal-and-interest structures, rates, and features to support your portfolio strategy.
Support through to settlement
We collaborate closely with your accountant, conveyancer, and real estate agents to ensure the finance aligns perfectly with your settlement deadlines.
Our Best Interests Duty
When providing credit assistance, we are legally required to act in your best interests and prioritise your interests where a conflict exists. Any recommendation must be based on your circumstances, objectives and needs.
YOUR INVESTMENT JOURNEY
Know what happens next.
Review your position
Assess your current equity, income, and overall borrowing capacity.
Define your strategy
Determine the right loan structure (e.g., interest-only, offset) for your goals.
Compare options
Present suitable alternatives from our panel of lenders.
Prepare application
Handle the paperwork and submit your application for pre-approval or purchase.
Approval and settlement
Secure your finance so you can purchase and settle with confidence.
EQUITY CALCULATOR
Could your property growth fund your next investment?
Use our indicative equity calculator to explore how much usable equity you may have available for your next property purchase.
Indicative estimate only. This is not loan approval or a lender recommendation.
Before you begin, it helps to understand:
Rental yield
How much income the property generates compared to its purchase price.
Negative gearing
Understanding the tax implications if your property expenses exceed rental income.
Loan structure
The difference between interest-only and principal-and-interest repayments for investors.
Usable equity
Lenders typically only allow you to borrow up to 80% of your property's value without LMI.
Frequently asked questions
Please note: We recommend seeking independent financial and tax advice before making investment decisions.