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.

02/06/2026

That one big month?
The banks don’t care as much as you think.

Amazing bonus. Huge commission. Feels like you’re flying 💰

But lenders aren’t assessing your best month…
they’re looking for consistency over time.

What you can earn again.
Not what you did once.

That’s where deals get stuck.

If your income moves around, the way it’s presented matters just as much as the number itself. 👀

02/06/2026

“Is my pre-approval affected by the negative gearing changes?”

Potentially, yes.

Some lenders have already started adjusting things.
Others haven’t yet.

So right now, borrowing capacity and policy could vary a lot depending on which lender you’re with.

That’s why I’d be rechecking your numbers before signing a contract.

This one is where the conversation starts getting uncomfortable.Because this isn’t a high-income investor with a huge po...
01/06/2026

This one is where the conversation starts getting uncomfortable.

Because this isn’t a high-income investor with a huge portfolio.

It’s a married couple with two kids.
$168k household income.
No other debts.
Already carrying a mortgage on their family home.
Trying to purchase an investment property renting for $700pw.

With negative gearing:
Estimated borrowing capacity = $600k

Without negative gearing:
Estimated borrowing capacity = $480k

That’s a 20% reduction in borrowing power.

And that changes things quickly.

Different suburbs.
Different property types.
Different investment strategy.
Possibly no investment purchase at all.

A lot of Australians hear “negative gearing” and assume it only impacts wealthy investors.

But many of the scenarios being modelled are ordinary dual-income households trying to slowly build long-term wealth through property.

The interesting question isn’t just whether negative gearing should exist.

It’s what happens to borrowing power, investor demand and future housing supply if it doesn’t.

01/06/2026

Honestly, some first home buyers are unbelievably confident when it comes to asking their parents for money 😂

To be fair, if my broker already drafted the gift letter too… I’d probably shoot my shot.

31/05/2026

Waiting for perfect usually means buying too late.

You pay more.
You wait longer.
You lose money doing nothing.

Most good deals aren’t perfect… they’re workable.

Buy what you can afford now,
improve it over time,
and let the market do its thing.

Perfect is expensive.
Progress isn’t. 👀

31/05/2026

The kind of property that makes investors stop and go, “Hang on… why isn’t everyone doing this?”

Because in this market, cashflow is king.

And I think a lot more investors are about to start chasing the same style of property once they realise what’s actually going to work right now.

A lot of Australians are sitting on significant equity in their homes right now, but very few actually have a strategy f...
30/05/2026

A lot of Australians are sitting on significant equity in their homes right now, but very few actually have a strategy for how to use it properly.

One of the biggest misconceptions we see is people thinking they need to save another full deposit before they can invest again.

In reality, many investors already have the equity they need sitting inside their existing property.

The challenge becomes:
How do you structure it correctly?

This is the kind of strategy we’re seeing more investors explore in the current market:
• preserving cash buffers
• leveraging equity instead of savings
• avoiding cross-securitisation
• focusing on standalone lending structures
• balancing growth potential with strong rental demand
• and positioning for future purchases, not just the next one

Because building a portfolio usually isn’t about one perfect property.

It’s about creating momentum and maintaining flexibility over time.

The other important part?
At higher leverage levels, asset selection matters a LOT more.

Strong rental demand, reasonable yields, lower holding costs and quality locations become critical when you’re trying to scale strategically.

The investors who tend to perform best long term usually aren’t the ones making emotional decisions.

They’re the ones making structured ones.

30/05/2026

“Will my HECS debt destroy my borrowing power?”

Not necessarily.

One of the biggest misconceptions we see is people thinking lenders care most about the size of the HECS debt itself.

In reality, your income is usually the bigger factor.

Because HECS repayments are based on what you earn, not just the balance owing.

So two people with the exact same $60k HECS debt could end up with VERY different borrowing outcomes.

👉 Watch the full episode on YouTube for the full breakdown, including whether paying off your HECS is actually the right move before buying.

29/05/2026

Online calculators are a guide.

Banks use completely different ones.

Higher rates, stricter rules, more inputs.

That’s why the number you see online
isn’t always the number you get.

28/05/2026

f I was buying an established investment property today, I’d be looking very closely at doing it through an SMSF. 🤔

Why?

Because if you’re sitting around 60% LVR, you may not care nearly as much about negative gearing changes anyway.

Lower debt.
Lower reliance on tax deductions.
Long-term hold strategy.

And if that property is eventually sold in pension phase… potentially no capital gains tax.

Feels like one unintended consequence of this budget could be pushing more experienced investors toward super structures instead of away from property entirely.

Address

Equinox, Building 1, Level 1, 70 Kent Street
Canberra, ACT
2600

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+611300657132

Website

https://www.trilogyfunding.com.au/finance-strategy-session

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