Jeff & Moishe — Co-directors
Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
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As the Federal Budget reshapes negative gearing, more investors are turning to SMSF commercial property and new-build purchases. We structure the lending — LRBAs, house-and-land, off-the-plan — around the strategy, working alongside your accountant. First investment or fifteenth.
Indicative only. Final capacity confirmed with a strategy call.
With negative gearing in flux, the structure matters more than ever. We lead with the two strategies investors are asking for most — and cover every other angle too.
Limited Recourse Borrowing Arrangements (LRBAs) for self-managed super funds — letting your fund borrow to buy commercial property (business real property) inside super's concessional tax environment. Following recent government changes, SMSF borrowing applies to commercial property only — residential is no longer available. Narrow lender panel, strict SIS Act rules; we navigate both alongside your accountant and SMSF auditor.
Newly built and off-the-plan dwellings — where the strongest depreciation benefits sit and where post-Budget investor incentives are increasingly focused. We arrange construction, house-and-land and off-the-plan finance with the right progress-draw structure.
Buying your first investment? We walk through borrowing capacity, deposit options including equity, location strategy and loan structure.
Two, five, ten properties — each acquisition needs the right lender, structure and serviceability assessment. We see the whole portfolio, not just the next deal.
Refinance or top-up existing loans to release equity for your next purchase, renovation or SMSF contribution strategy.
For investors who want to maximise cash flow and acquisition velocity. We structure IO terms aligned to the position you and your accountant set.
Co-living and dual-occupancy properties let a single dwelling earn multiple incomes — strong, cash-flow-positive yields that hold up as negative-gearing benefits narrow. The lender panel and valuation approach are specialised; we match the file to lenders comfortable with co-living, and pair it naturally with new builds.
As the Federal Budget tightens negative gearing on established investment property, two strategies are drawing serious attention. We can't give tax advice — that's your accountant's call — but we can structure the lending so whatever strategy you land on actually works.
An SMSF buys commercial property inside super's concessional tax environment, with rental income and capital gains taxed at super rates rather than your marginal rate. Recent government changes mean SMSFs can borrow for commercial property only — residential is no longer permitted — but for business owners that commercial route can be compelling. We arrange the LRBA; you confirm suitability with your accountant and adviser.
Newly built dwellings carry the strongest depreciation entitlements and are typically the focus of any carve-outs when negative gearing is wound back on established stock. We handle construction and off-the-plan finance end to end.
General information only, not tax, financial or credit advice. Negative gearing, depreciation and SMSF suitability depend on your circumstances and current legislation — confirm with your accountant, financial adviser and SMSF auditor before acting. We work with trusted partners including Elite Accounting Solutions on the tax side.
Real broker access. Real strategy. Real outcomes.
Co-director Jeff is an active property investor. We think like investors because we are investors.
Different lenders prefer different investor profiles. We know which suit self-employed, HNW, expat, or trust-held files best.
Loan structure compounds. We work closely with your accountant to make sure today's loan supports tomorrow's position.
Every 12 months we review your portfolio against the current market — refinance opportunities, equity available, rate benchmarks.
Four clear steps — managed end to end, with you in the loop at every stage.
A 30-minute review of your current position — properties, loans, income, goals, timeline.
We model your borrowing capacity against multiple lenders, then design the loan structure (LVR, IO/P&I, term, ownership) for your file.
Submission to the optimal lender(s). For complex portfolios this can mean splitting across two lenders to maximise capacity.
We coordinate settlement, then stay with the portfolio — annual reviews, refinance windows, equity release timing.
30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.
Jump into our live booking calendar and lock in a 30-minute strategy call with Jeff or Moishe — phone or video, whenever works for you.
Book a Call →Book a 30-minute strategy call. Free. No obligation. Talk to a real broker today.