From Home to Investments - Finance that works for you

Refinancing isn’t just about chasing a lower rate—it’s about ensuring your loan still works for you. Whether it’s reducing repayments, accessing equity for investments or renovations, or consolidating debt, the right refinance can improve cash flow and align with your financial goals. If your property has increased in value, refinancing can unlock equity for wealth-building opportunities or restructure your loan to better suit your needs. It also allows you to secure better features, such as an offset account, or switch between fixed and variable rates to suit market conditions. If it’s been more than 12-24 months since your last loan review, or if your situation has changed, it’s time to reassess. At By Invite Finance, we proactively review your lending strategy every 6-12 months—ensuring you stay ahead, not stuck.

A successful property portfolio isn’t just about owning multiple properties—it’s about structuring your finance strategically to diverisy, maximise leverage, minimise risk, and optimise returns.

• Leveraging equity -We help you access and structure equity in a way that allows you to invest without overextending or tying up cash and potentially certain properties.
• Diversified portfolio strategy – We work alongside your accountant and financial planner to ensure your property investments are aligned with your broader financial goals, tax position, and risk appetite.
• Debt structuring – Balancing your portfolio means ensuring you’re focusing on repaying non-deductible debt first while maximising tax efficiencies on investment loans.

Investment lending should be a long-term strategy, not a short-term transaction—and that’s exactly how we approach it.

If you’re a doctor, lawyer, accountant, or high-income professional, lenders see you as low-risk—but that doesn’t mean they automatically offer you the best deals. With the right lender, you could access exclusive benefits that aren’t available to the general market.

• Reduced deposit loans with no LMI – Many lenders allow professionals to secure finance with a smaller deposit while waiving Lender’s Mortgage Insurance (LMI), saving you tens of thousands on home and investment purchases.
• Fast-tracked finance for self-employed professionals – Typically, self-employed borrowers need two years of income history, but we work with lenders who can approve loans with as little as three months of trading history—potentially even less for medical professionals.
• Exclusive policy benefits – We secure higher borrowing power, flexible loan structures, and tax-efficient finance solutions tailored to your career stage. Some lenders even offer private school fee waivers, extended loan terms, HECS waivers, and future income consideration for hospital-based doctors.

We’ve helped countless professionals maximise their finance options and get into the market sooner. Whether you’re buying your first home, investing, or scaling into multi-business ownership, we structure your lending to grow with you and back your qualifications.

Your first home isn’t just where you live—it’s your first step in building wealth. Thinking like an investor from the start ensures your finance supports both your immediate needs and future opportunities.

Your borrowing power depends on income, expenses, and lender criteria, which vary widely. We assess the market to maximise your borrowing capacity and access options from 5% deposits with LMI or even lower with government grants and first-home buyer schemes.

At By Invite Finance, we structure your loan with growth in mind—ensuring flexibility for future upgrades, investments, or leveraging equity. No two first purchases are the same, and we’re here to make the process clear, strategic, and stress-free.

Being self-employed shouldn’t mean missing out on great finance options—but banks don’t always make it easy. Traditional lenders often require two years of tax returns and financials, which doesn’t always reflect your actual earning potential. At By Invite Finance, we work with lenders who understand the nuances of self-employment and depending on your situation, we can secure loans using:

• Alternative income verification – Some lenders accept BAS statements, accountant declarations, or business bank statements instead of full tax returns.
• Reduced income history requirements – We have access to lenders who approve loans with as little as three months of trading history, particularly for medical and high-income professionals.
• Higher borrowing capacity – Certain lenders offer higher loan-to-income ratios for self-employed applicants with strong cash flow.

We structure your application strategically, ensuring it highlights your true financial position—so you’re not waiting years just to meet a bank’s rigid checklist. Play by your own rules.