Finance and Mortgage Advisory
Finance that keeps you buying
Most investors don't stop because they run out of ambition — they stop because their lending was never structured to go past the first property or two.
As Investment Finance Specialists, we know that to build a portfolio you need a specialist mortgage broker who understands how to increase your borrowing capacity and keep you borrowing again and again.
Continuing to get finance approved is the key to a successful portfolio — a combination of loan structure, buying the right property type, and knowing which lenders will work for you at each stage of the journey.
Watch: How structured lending keeps your portfolio growing.
Accredited & accountable
Debt Recycling
Turn your home loan into your biggest wealth-building tool
Every dollar you owe on your home loan is working against you — even if it's sitting in your offset account.
Debt recycling turns your mortgage into an investment engine.
As you pay it down, your loan adjusts and that equity gets recycled into tax-deductible investment debt, ready to invest in property or shares.
All from one structural change.
Real client demo: How does debt recycling actually work?
Investment Loan Setup
Still paying off your home? Here's how to structure your next investment loan.
Get this wrong and you hand both the bank and the tax man money you didn't need to.
Most investors use equity from their home to fund an investment property purchase — but the way that equity is structured matters enormously.
Done correctly, it minimises interest on your home loan, maximises your tax deductions, and keeps your borrowing capacity strong for every purchase after this one.
Most investors are fighting two problems at once
Paying too much interest, and running out of borrowing capacity. The two are connected, and fixing one helps the other.
In our walkthrough we show you exactly how to take money sitting in your offset account and restructure it, step by step, into tax-deductible investment debt.
Your home loan shrinks faster, your borrowing capacity increases, and each restructure funds the next investment. Watch how it compounds over time.
Debt Recycling Estimator
Calculate what your home loan is actually costing you
See what your loan really costs — and how quickly redirecting your other repayments and recycling into investment could change that.
Debt Recycling Estimator
Indicative only — a conversation starter, not credit advice.
Step 1 of 3
What your home loan is actually costing you
Step 2 of 3
Redirect your existing repayments
These repayments are redirected into extra home-loan repayments once each debt is cleared (payment redirection):
Step 3 of 3
Recycle into investment incl. granny flat
You enter quantity and value — we hold the assumptions fixed so the numbers stay honest.
Your home loan today
If you redirect your repayments
Recycled into investment (15-yr projection)
Illustrative estimates only — general information, not credit, tax or financial advice. Investment assumptions (6.5% interest, 6% growth p.a., 5.75% yield, 15-year horizon) are held fixed. Your figures will vary with lender, structure and full assessment, and should be confirmed with your Prosperitii adviser.
Yes, we have 30 lenders. So does everyone else.
The difference is knowing which one to use.
Every broker will tell you they have access to dozens of lenders.
What they won't tell you is which one to use, when to use them, and how to structure it so your next purchase stays possible.
We specialise in finance for property investors and build your finance plan alongside your portfolio.
What we actually know
- Which lenders will lend to companies and trusts
- Which lenders favour self-employed borrowers
- Which lenders exclude business debts from your serviceability assessment
- Which lenders give you the largest borrowing capacity for your situation
- Which lenders accept proposed rental income to strengthen your application
- Which lenders allow construction and development finance
- When to prioritise speed of approval over maximum borrowing capacity
- When to slow down and go to the lender that gives you more
This is not a high-volume service chasing the cheapest rate. It's a long-term relationship built around one outcome: growing your wealth.
Lenders we work with
Access to a broad panel of banks and specialist lenders
