Building a successful investment portfolio takes more than just finance — it takes foresight, structure, and a strategic partner who understands the bigger picture.
At Heritage Finance, we work with residential property investors at all stages of the journey — whether you’re purchasing your first or your fiftieth investment property. Our role is to ensure your investment strategy is matched by a lending structure that supports long-term growth, liquidity, and flexibility.
We’re not just here for the transaction — we’re in it with you for the long haul.
Support with equity release, cross-collateralisation, and interest-only structuring
While it may seem convenient to keep all your loans under one roof, it can become risky as your portfolio grows. Most mortgage contracts include an “all moneys” clause, which means your lender may hold all properties as joint security for all debts — even if they’re unrelated.
This can impact your ability to sell, refinance, or restructure without the lender’s permission across your whole portfolio.
Tip: Diversifying your lending across different banks or splitting securities can give you more flexibility and control.
An equity lock involves releasing available equity from a property, even if you don’t need it immediately. The funds are then held in an offset account, ready to deploy when needed.
This is particularly helpful because:
Think of it as “future-proofing” your borrowing power while market conditions are favourable.
Some lenders assess rental income conservatively, or won’t factor in future projected income. Others are more investor-savvy, offering:
We help navigate these policies and present your file in the best light to the right lender — not just the one with the best headline rate.
Whether you’re acquiring, restructuring, or releasing equity, we’ll help you make smart, informed decisions that align with your investment goals.
Start the conversation today. Contact us and let’s map out your next move.
