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July 9, 2025 28 mins

How can smart financing strategies help you build a larger property portfolio while poor loan structuring can limit your growth potential?

Host Damian Collins continues Season 2 of the Property Investing Roadmap podcast with step four of his proven nine-step framework: Financing your investment properties. Joined by Caylum Merrick, Manager of Property Strategy and Finance at Momentum Wealth, they explore how proper loan structuring can be as important as the properties you choose to buy for building long-term wealth.

What you'll learn:

  • Why loan structuring is almost as important as property selection for portfolio growth
  • The biggest financing mistakes property investors make (including cross-collateralisation)
  • How purchasing in different entities can impact your borrowing capacity
  • The advantages of offset accounts compared to redraw facilities for investment loans
  • The dangers of cross-collateralisation and how it can trap you with one lender
  • How to safely access equity from existing properties to fund new investments
  • What to look for when choosing a mortgage broker who specialises in property investment
  • Simple strategies to increase your borrowing capacity (and what decreases it)
  • When and how often you should review your loan arrangements


FREE RESOURCE

Want to learn how to structure your investment property loans for maximum growth potential? Discover essential financing strategies in Momentum Wealth's free online guide, available at: https://momentumwealth.com.au/guidebooks/beginners-guide-to-property-finance/ 


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SUPPORT FOR INVESTORS

Looking to structure your property investment loans for optimal growth? Discover the tailored support available to investors through Damian's property investment advisory, Momentum Wealth: momentumwealth.com.au


T&Cs

The information shared on Property Investing Roadmap is general in nature and doesn't take into account your individual circumstances. The information is for educational purposes only and should not be relied upon for investment or financial decisions. Always seek professional advice before deciding whether to invest.

 

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