01 Value the rent roll
Management fee multiples, retention rates, and portfolio quality drive value. We map them before any lender does.
What we do
Finance that reads a rent roll properly.
02 Frame the income
Recurring management income services the loan. We present net income after staff and overheads — not a generic bank model.
03 Position the goodwill
Sales business, brand, franchise affiliation, and staff retention all carry value. We match each to the right security treatment.
04 Reflect the ACT market
Canberra rent rolls hold strong retention, low vacancy, and above-average fees. We present yours against ACT conditions, not a national average.
Agencies earn through recurring management fees, irregular sales commission, and goodwill. Standard banks assess all three using residential income models — and routinely decline or underfund real estate acquisitions as a result. We present your numbers so credit teams see the strength.
We're a small team working with a small number of clients. Based in Canberra, connected nationally. We structure first, then go to the right lenders. And if borrowing isn't the right move yet, we'll tell you when not to borrow.
Our solutions
How we finance real estate businesses.
From a first rent roll purchase through to multi-office succession — finance at every stage of your agency's growth.
01 Rent Roll Acquisition Finance
Buy an existing rent roll outright — or purchase a book from a retiring principal. We structure loans up to 70% LVR against rent roll value, using recurring management income as serviceability.
02 Agency Acquisition Finance
Acquire an entire real estate agency — rent roll, sales business, goodwill, and brand. We structure loans covering the full acquisition including vendor earnout arrangements.
03 Growth & Working Capital
Fund expansion into new suburbs or offices, hire additional staff, or invest in technology platforms. Flexible facilities that move with your commission cycles.
04 Partner Buy-In & Buy-Out
Restructure your partnership without disrupting operations. We structure equity transitions for incoming and exiting principals — with minimal cash impact on the business.
05 Commercial Premises Finance
Stop leasing and own your office. Purchase your own commercial premises and start building equity in your business location rather than paying rent to a landlord.
06 Succession & Exit Structuring
Whether you're selling in three years or ten, your financial structure today affects your sale price. We help build balance sheets that maximise business value at exit.
Why it matters
Generic brokers go to the wrong lenders.
Standard banks assess rent rolls using residential income models — and routinely decline or underfund real estate business acquisitions as a result. Specialist knowledge changes the structure, the valuation, and the rate.
01 Rent roll multiples
Some lenders use gross income multiples, others use management fee multiples adjusted for portfolio quality. We work with lenders who properly value ACT rent rolls, where management fees and retention rates are strong.
02 Commission income serviceability
Sales commission is irregular income, and most bank models discount it heavily. We access lenders with flexible serviceability that account for trailing commissions and management income as the primary repayment source.
03 ACT market knowledge
Canberra's property management market has strong retention, low vacancy, and above-average fees compared to Sydney or Melbourne. We present your rent roll against ACT-specific conditions — not a national average.
04 Agency valuation methodology
Goodwill, trail income, franchise affiliation, and staff retention all affect agency value at acquisition. We help buyers structure finance that accounts for these intangibles, and sellers understand what a buyer's lender will accept.
How we work
From mandate to settlement.
01 Understanding your situation
We review your financials, the target rent roll or agency, and your goals. We assess serviceability before approaching any lender.
02 Lender matching
We identify the two or three specialist lenders most suited to your transaction — based on rent roll size, LVR requirement, and income structure.
03 Submission & approval
We prepare a detailed submission that presents your rent roll correctly. Most specialist approvals take 2–4 weeks from a complete submission.
04 Settlement
We coordinate with your solicitor and the vendor's lender for a clean settlement — including any earnout or deferred consideration arrangements.
Our clients
Who we work with
01
Independent agencies acquiring their first or second rent roll.
02
Franchise principals expanding into new ACT suburbs.
03
Agents transitioning from employee to business owner.
04
Multi-office operations consolidating or restructuring.
05
Real estate professionals purchasing commercial premises.
06
Retiring principals planning succession and exit.
07
Interstate operators entering the Canberra market.