Trilogy Funding

Trilogy Funding Lending solutions for your home, investment, and commercial properties. Book a FREE Finance Strategy Session now! 📅

🫰 That’s us.

Trilogy Investment Property Funding specialises in assisting property investors arrange the right loans with the right structure for long-term investment success. We work extensively with both investors and first home buyers and their professional advisors and we are not aligned to any particular financial institution. It's our genuine independence that allows us to provide advice in your best int

erests, not the banks. As a property investor, you want a mortgage broker who understands how property investment works. Someone who invests in property themselves. And someone who knows how to structure your finance for maximum flexibility and control. Investing in property is one of the safest routes to wealth creation – but it is important to have a good team around you. We have 18 + years’ experience in the finance industry and always have been property investment finance specialists. No matter where you live in Australia, we can work with you to secure the very best finance options available. Our national office is in Canberra. However, we have clients across Australia in Sydney, Melbourne, Brisbane, Adelaide, Perth, Hobart and many other cities and towns in between.

25/06/2026

You’ve got to suffer a bit to get in.

Not forever. Just for now.

A few tighter months can change your timeline completely.

Most people don’t have a borrowing problem…
they just don’t get through this phase.

24/06/2026

When interest rates are high and the cost of living is rising, most people do the same thing.

They pull back.

They borrow less.

They wait.

It's understandable.

But history shows that's often when some of the biggest wealth-building opportunities are created.

Why?

Because inflation doesn't just increase the cost of groceries.

Over time, it tends to increase incomes and asset values too.

The debt stays the same.

Everything else moves around it.

Fast forward five or ten years and a loan that felt enormous at the time can look much smaller relative to your income and the value of the asset you purchased.

That's one of the reasons wealth is often built during periods that feel uncomfortable, not comfortable.

I'm not saying borrow recklessly.

I'm saying don't let fear stop you from understanding how wealth has traditionally been created.

APS6, EL1, EL2 or SES?This one might be worth knowing about.Bankwest has expanded its LMI waiver policy to include eligi...
24/06/2026

APS6, EL1, EL2 or SES?

This one might be worth knowing about.

Bankwest has expanded its LMI waiver policy to include eligible Federal Government employees, alongside a range of other professions including lawyers, accountants, banking professionals and selected technology employees.

Why does that matter?

Because LMI can cost thousands, sometimes tens of thousands, depending on the size of the loan and your deposit.

Under this policy, eligible borrowers may be able to purchase a property with less than a 20% deposit and avoid LMI altogether.

If you're APS6, EL1, EL2 or SES and looking to buy, invest, build or refinance, it may be worth checking whether you're eligible before spending years trying to save a larger deposit.

This is a Bankwest policy only. Eligibility criteria, lending policies and conditions apply.*

23/06/2026

🚨 Big news for first home buyers in the ACT!

From 1 July 2026, the ACT will become the first jurisdiction in Australia to abolish stamp duty for all first home buyers, regardless of income or property value. That means one of the biggest upfront costs of buying a home could be completely removed.

For some buyers, that could mean keeping tens of thousands of dollars in their own pocket instead of handing it over in stamp duty.

If you've been sitting on the fence wondering whether home ownership is still achievable, this is the kind of announcement that could change the numbers significantly.

Honestly, I'm pretty excited about this one. 🎉

23/06/2026

For decades, Australians built wealth through established property.

Buy an older home.

Renovate it.

Add value.

Knock it down and rebuild.

Repeat.

The problem?

I'm not sure that playbook works the same way anymore.

Construction costs have exploded.

Holding costs are higher.

And the recent tax changes have shifted the economics for many investors.

That's why I think we'll see more younger investors looking at house and land packages, new builds and off-the-plan opportunities.

Not because they're exciting.

Because they often offer:
• lower entry costs
• stronger tax deductions
• less upfront renovation risk
• and a simpler path into the market

That doesn't mean established property is dead.

Far from it.

But I do think the next generation may build wealth very differently to the one before them.

22/06/2026

Most people don't know their credit score until they apply for a home loan.

The problem is, by then, it can be too late to fix some of the things that are hurting it.

Late bill payments, multiple credit cards, personal loans and a trail of finance applications can all impact how lenders assess you.

We often see people with good incomes and solid savings surprised when their credit file becomes an issue.

The good news is that improving your credit profile is usually pretty straightforward.

Pay your bills on time, avoid applying for credit you don't need, and consider whether things like ZIP, Afterpay, unused credit cards or personal loans are still serving a purpose.

A healthier credit file can give you more options when it's time to apply for finance.

Do you know what your credit score is?

22/06/2026

Sometimes you just need an accountant.

Some tax deductions get missed altogether.

Others get claimed incorrectly.

This is one I see causing confusion for property investors all the time.

So I put the question to Andrew from RSM:

What's the tax deduction property investors claim incorrectly most often?

Thanks for your insights, mate.

21/06/2026

That property might look perfect online.

It might look even better in person.

But before you start planning where the couch goes, make sure someone is reading the contract.

Because some of the biggest property red flags aren't visible during an inspection.

They're buried in the fine print.

Easements.
Building issues.
Special conditions.
Restrictions.
Future costs.

That's why I always recommend having a solicitor review the contract before you commit.

A property can look amazing and still come with problems you didn't bargain for.

Don't let a pretty property catfish you. 😉

21/06/2026

The 2027 CGT cliff is coming.

Investors are going to have some decisions to make over the next 12 months.

The biggest mistake I see investors make is waiting until a deadline is right in front of them before they start thinking about their options.

The investors who put themselves in the strongest position won't be the ones who react at the last minute.

They'll be the ones who understand their portfolio, understand the potential impact, and make a deliberate decision well before July 2027 arrives.

You don't need to make a decision today.

But I do think you need to start thinking about one.

Because whether your plan is to hold, sell or buy more, the clock is already ticking.

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