Mortgages with JJInvestment Property
Grow a portfolio without overstretching.
DTI rules, equity release, multi-property structures, and lender appetite for investors. I help you grow without overstretching.
Is this you?
Sound familiar?
- Buying your first investment property
- Looking to release equity from an existing property
- Growing an existing portfolio and need the structure right
- Wondering how debt-to-income (DTI) rules affect what you can borrow
How I help
From first chat to funded deal.
1
Free consultation
30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.
2
Strategy & lender match
I compare your situation across the lender panel, structure the deal, and recommend the best path.
3
Application & approval
I prepare and submit your application, manage the lender conversation, and chase down approvals.
4
Settlement & ongoing review
Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.
Getting ready
What you'll need.
Documents to gather
- Proof of ID
- Recent payslips or business financials
- Details of any existing properties and their loans
- Rental appraisal (if refinancing an existing rental)
Questions we work through
- How current DTI rules affect what you can borrow
- Whether releasing equity from an existing property makes sense
- The right ownership and lending structure for your goals
- Which lenders currently have appetite for investors
Common questions
Questions about investment property.
How do DTI rules affect what I can borrow?
Debt-to-income rules cap borrowing as a multiple of your income, and the exact treatment varies by lender. I work through how this applies to your situation and which lenders have room to move.
Can I use equity from my existing home to buy an investment property?
Often, yes, if you have enough equity and the numbers stack up. I work out what is realistically available and how it fits your wider plans.
Do you only work with the big four banks?
No. I compare across 25+ bank and non-bank lenders — the four majors, second-tier banks, and specialist lenders for situations the big banks will not look at.
How much does it cost to use a mortgage adviser?
Nothing to you. The lender pays my commission when your loan settles. You get full advice, application support, and ongoing reviews at no cost.
Ready for a no-pressure conversation?
30 minutes. No cost. No obligation. Just a clear answer on what is possible and what to do next.