Property Investors
What we do
We give lending advice to keep you buying.
From day one we set up your lending so your investment portfolio is always ready for your next property purchase.
Structure the lending to scale
We set up each loan so each property’s equity and cashflow are working for the portfolio, not sitting idle. That can mean splitting your banking across more than one lender, keeping equity ready to deploy, and shaping the debt so the portfolio has room to grow.
Match the deal to the right lender
Each lender has its strengths: some offer more flexibility over funds, some take on more credit risk, others don’t consider income at all. Whatever the objective, we have options to ensure the best fit and outcome.
Tax and legal baked in
Your accountant and solicitor stay in the mix from day one, so tax and asset protection get the attention they deserve. The right ownership structure lets the portfolio compound the way it should, with clean entities and sensible tax positioning baked in.
Play the long game
We think holistically. Where you are now, where you want to be, how long you have, and the current market environment all matter, because timing calls shape your long-term success. Ultimately, the goal is to make the right moves at the right time, not just chase the next deal.
"They think several steps ahead, ensuring every move aligns with the
bigger picture".
Jake S., property investor
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Frequently asked questions
What can CSMB do for me that my bank can't?
Banks are limited to selling and advising on their own products. We combine mortgage and property investment advice and work across a panel of lenders, taking the lead role in your property deal. That means we collaborate with your accountant, solicitor, and any other advisers involved. We also troubleshoot any issue that gets in the way of the deal, whether that’s a problem with the building report, insurance, the LIM, or vendor negotiations.
Does CSMB charge for this level of advice?
In most cases we don’t charge for this level of advice and support. We’re paid a commission by the lender when your loan settles, so for you it’s free in most cases. If a deal is ever an exception, we’ll tell you upfront.
My bank said no, what does this mean for my property deal?
If your bank said no, it doesn’t mean your property deal is dead. Usually it’s one of three things. The deal wasn’t shaped the way that lender needed to see it. Your deal wasn’t matched to the right lender from the start. Or there are one or two hurdles in your way that need attending to first.
How do you buy an investment property if you don't have cash savings?
Seasoned property investors in most cases scale their portfolio through equity growth. There are two ways equity grows. Time in the market: houses typically increase in value on their own over long periods of time. Or instant equity: this comes from buying below market value, or adding real value to the property. We simply recycle and reuse that equity.
What is DTI and how does it affect investors?
DTI is your total debt compared to your gross household income, which can include salary, rental income, pensions, and investment income. At the main banks, investors are typically capped at around 7 times that income. In most cases you can’t borrow above this multiple. Personal and business debts like car loans and credit cards are included in DTI calculations and will ultimately reduce your borrowing capacity.
Let’s Chat
Start with a Conversation.
The easiest way is a chat. Tell us where you are and what you want to do, and we’ll come back honestly on whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.