PO Box 222, Kippax Fair Shopping Centre,
Holt ACT 2615
Investment
Property Investment
Build Wealth. Brick by Brick.
Don’t just buy a property. Build a portfolio. We use data-driven loan structuring to maximise your borrowing power and protect your assets.
Amateur investors focus on rates.
Smart investors focus on structure.The difference between owning one investment property and owning five often comes down to how your loans are set up. We work with your accountant to ensure your finance supports your growth, tax efficiency, and asset protection.
The "No Deposit" Strategy
Do you already own a home? You might be sitting on a goldmine.
We can use the Usable Equity in your current home to fund the deposit and costs for your next investment. This means you don’t need to save thousands in cash to get started.
The Algorithm: Current Value × 80% – Current Debt = Your Buying Power.
Your Home Value
$800,000
*You can use this $240k as a deposit for property #2.
📉 Interest Only
Keep your monthly repayments lower to improve cash flow.
- Maximise tax deductibility
- Preserve cash buffer
- Redirect cash to pay off bad debt
🌍 Rentvesting
Priced out of where you want to live? Rent where you love, buy where you can afford.
- Enter the market sooner
- Live in a premium lifestyle suburb
- Someone else pays your mortgage
🏗 Construction
Building a duplex or granny flat? We manage the progress payments.
- Interest only on drawn funds
- Fixed price contracts
- Manufacture equity through build
⚠️
The Trap: Cross-Collateralisation
Most banks try to link your family home to your investment property as security. We fight to stop this.
If your properties are crossed, selling one can force you to pay down debt on the other, and one bad valuation affects your whole portfolio. We structure your loans as "Stand Alone" facilities to give you freedom and control.
We Protect Your Assets. Not The Bank's.
Solving the lending puzzle.
We do the math. You get the keys.
© 2025 Algorithm Finance. Credit Representative Number: XXXXXX. Disclaimer: Your full financial situation will need to be reviewed prior to acceptance of any offer or product.