Property Finance
Finance for investment property, placed across our panel.
Grow the portfolio without the bank's serviceability straitjacket — investment property finance arranged for serious investors.
Finance built for investors, not box-tickers.
Serious property investors hit the same wall: the banks' serviceability tests stop the portfolio long before the equity and rent do. We arrange investment property finance and place it with the right funder from our panel of 50+ non-bank and private lenders that assess deals on the asset and the income, not a rigid template.
Residential investment stock, commercial tenancies, mixed-use, or multiple securities across a portfolio — we structure the debt to keep you buying. This is business-purpose finance for investors with an ABN and a genuine investment purpose.
We know which lenders take actual rent and lease income into account, which are comfortable with multiple properties, and which move fast on a competitive purchase. Indicative answer in 24 hours, settlement in days.
Why finance your investment through X Private.
Flexible serviceability
Lenders that count real rent and lease income, so the portfolio isn't capped by a bank's blunt test.
50+ lenders compared
We place your deal with the funder that fits the asset, the income and your strategy.
Up to 90% LVR
Higher leverage to keep capital working across more of the portfolio.
Residential and commercial
Investment dwellings, retail, office, industrial and mixed-use — placed with the right specialist.
Portfolio and multi-security deals
Cross-collateralised or standalone, we structure multiple properties to suit your plan.
Move fast on a buy
Indicative answer in 24 hours and settlement in days so you don't lose the deal to a quicker buyer.
What we finance for investors.
If it's an income or growth asset held for a business purpose, we can usually place it:
- Residential investment property
- Commercial and retail tenancies
- Industrial and warehouse assets
- Mixed-use buildings
- Adding securities to an existing portfolio
- Refinancing to release equity for the next buy
- Higher-yield or specialised assets
- Purchases the banks decline on serviceability
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
We're a specialist property finance brokerage: we place investment finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Investment finance is for income and growth assets, not a home you'll live in.
Often, yes. Our panel includes lenders that assess deals on the property's income and your overall position rather than a one-size-fits-all serviceability test, which is exactly where bank-capped investors get moving again.
Yes. We place both, and we match the asset type — retail, office, industrial, mixed-use or residential — to lenders who specialise in it for sharper terms.
Up to around 90% LVR depending on the asset, location and your exit, with higher leverage case by case on strong deals.