01 Read the income
Recurring management fees are stable, predictable, and low-risk. We map fee structures and tenure before any lender does.
What we do
Funding that reads a rent roll properly.
02 Value the roll
Lenders apply their own multiplier to annual management fees — often more conservative than the market. We present the roll to hold value.
03 Model the attrition
Lenders stress-test serviceability against a 5–10% per annum attrition assumption. We build the structure around your real history.
04 Structure the package
Vendor finance, working-capital buffers, attrition guarantees, and integration costs — all built in so the numbers work from day one.
Rent roll lending is a niche within a niche. Generic brokers undervalue your roll or take it to the wrong lenders — and treat recurring management fees like ordinary business goodwill. We don't. We structure the deal first, then go to lenders who understand exactly what a quality roll is worth.
We're a small team working with a small number of clients. Based in Canberra, connected nationally. We structure first, then approach the right lenders. And if the numbers don't stack up, we'll tell you when not to borrow.
Finance options
Three ways to fund your roll.
We structure rent roll finance across three core scenarios — each designed around the specific needs of property management businesses.
01 Rent Roll Acquisition Loans
Purpose-built lending to fund the purchase of a rent roll or property management business. Secured against the recurring management-fee income, with LVRs up to 70% of the assessed roll value.
02 Rent Roll Expansion Finance
Funding to grow your existing roll through bolt-on acquisitions. Structured so you can move fast when opportunities arise, with pre-approved facilities that give you deal certainty.
03 Rent Roll Equity Release
Unlock the capital tied up in your roll without selling it. Refinance against the assessed value of your management rights to fund growth, premises, or personal investment.
Our advantage
Generalists treat your roll like ordinary goodwill.
Here is what specialist knowledge changes about your outcome — at the lender, the valuation, the LVR, and the structure.
01 Specialist lender panel
We work with lenders who understand rent roll valuations and property management businesses — not generalists who treat your roll like standard business goodwill.
02 Very low secured rates
Rent rolls generate predictable, recurring income. The right lenders recognise this stability and price well below standard commercial lending rates.
03 Up to 70% LVR
Quality rolls with strong retention, reasonable fee structures, and experienced operators can access LVRs up to 70% — minimising the cash equity required.
04 Deal structuring expertise
We structure the entire package — vendor finance components, working-capital buffers, and integration costs — so the numbers work from day one.
LVR assessment
What determines your LVR.
LVRs up to 70% are available for quality rent rolls, but the exact ratio depends on several factors lenders assess closely.
01
Average management fee per property, geographic concentration, and the mix of residential versus commercial management agreements.
02
Historical churn matters. Lenders favour rolls with consistently low owner turnover and long average tenure.
03
The structure and enforceability of your management agreements — exclusive versus non-exclusive, notice periods, and fee escalation clauses.
04
Your agency's track record, profitability, and the proportion of revenue from recurring management fees versus sales commissions.
05
The depth of your property management team, systems, and processes — lenders want confidence in operational continuity.
06
Local rental market dynamics, including vacancy rates, rental growth trends, and the competitive landscape in your operating area.
Our process
How it works.
From initial assessment through to settlement and beyond, here is what working with us looks like.
01 Assess Your Position
We review your current roll, agency financials, and the proposed transaction. You get an honest read on fundability before committing further.
02 Value the Rent Roll
We prepare a detailed roll analysis — fee structures, retention rates, portfolio quality, and comparable market transactions. The foundation for every lender conversation.
03 Structure the Funding
We design the optimal facility — balancing LVR, term, repayment structure, and rate — to maximise your outcome while meeting lender requirements.
04 Secure Approval
We approach selected lenders with a fully packaged proposal. No panel shopping — targeted submissions to lenders who understand rent roll lending.
05 Settle & Support
We coordinate settlement with your solicitor, accountant, and the vendor's advisors. Post-settlement, we manage facility reviews and any future refinancing.