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.

Buying with a partner definitely has its advantages... especially when it comes to saving a deposit.Using a $650,000 pur...
02/09/2026

Buying with a partner definitely has its advantages... especially when it comes to saving a deposit.

Using a $650,000 purchase as an example, here's how long it could take to save a 5% deposit if you're putting away 15% of your gross income each year.

🧍 Single
$90,000 income
⏱️ Around 2.4 years

👫 Couple
$160,000 combined income
⏱️ Around 1.4 years

Of course, everyone's situation is different. Your income, spending habits, government schemes and the type of property you're buying can all change the numbers.

The good news? You don't need to guess.

We can show you exactly what your deposit target is, how much you can borrow, and whether you're closer than you think.

*Figures are illustrative only and assume a $650,000 purchase, a 5% deposit and saving 15% of gross income each year. Additional purchase costs such as conveyancing, government fees and stamp duty (where applicable) are not included.

One of the biggest myths in property is that if you don't have a deposit, you can't buy.Recently we spoke with a young c...
31/08/2026

One of the biggest myths in property is that if you don't have a deposit, you can't buy.

Recently we spoke with a young couple earning a combined $160,000 a year. They had stable jobs, very little debt and could comfortably borrow enough to purchase a home.

The problem? They only had around $5,000 in savings.

Most people would assume the answer is to spend the next few years saving a deposit and hope property prices don't move too far in the meantime.

Instead, we explored whether family could help. Mum and Dad had a property with plenty of equity and a small mortgage remaining, which opened up another option.

Using a Family Equity Gift, they were able to purchase a $750,000 home without needing Mum and Dad to hand over cash. The parents provided a limited guarantee against their property, the young couple remained responsible for 100% of the repayments, and the plan is to release Mum and Dad from the guarantee once enough equity has built up in the new home.

The point isn't that everyone should do this.

It's that many buyers rule themselves out before they've had a conversation.

Strong income and limited savings doesn't always mean you're stuck.

Sometimes there are more options available than you realise.

Same $700k investment loan. Two very different ways to structure it.P&I means higher repayments now, but you're actively...
30/08/2026

Same $700k investment loan. Two very different ways to structure it.

P&I means higher repayments now, but you're actively reducing the debt.

Interest only can mean lower repayments during the IO period, preserving more cash flow to hold the property, maintain a buffer or potentially keep moving with your investment plans.

Neither is automatically the “better” option.

For investors, the better question is: what do you need your money to do next?

Reduce debt? Improve cash flow? Buy again?

Your loan structure should match the strategy.

Same $1.5M debt. A $60,000 difference in how it can be assessed.This is exactly why lender sequencing matters for proper...
27/08/2026

Same $1.5M debt. A $60,000 difference in how it can be assessed.

This is exactly why lender sequencing matters for property investors.

In Dave’s example, a bank assesses the existing investment debt at around $158k per year, while a non-bank using the actual repayments sees around $98k per year.

That gap can make a HUGE difference to what you can borrow next.

In this example? Potentially around $400k+ in additional borrowing capacity.

So when your bank says you've hit your limit, it doesn't necessarily mean your property plans are over.

You might have just reached the point where the next lender in the sequence matters.

🔐 What’s hiding in your house (and could change everything)?✉️ Some people don't even open the envelope.They leave it si...
26/08/2026

🔐 What’s hiding in your house (and could change everything)?

✉️ Some people don't even open the envelope.

They leave it sitting there.
Quiet. Untouched.
Not realising what’s inside could change everything.

It’s not a cheque.
It’s not a gift card.
It’s something better (but only if you know how to use it).

🧠 Swipe to read the riddle.
💬 Guess below.
📩 Or get in touch, we’ll show you what you’re sitting on… and how to use it.

The bank counts debts you probably don’t.And some can have a much bigger impact on your borrowing power than you might e...
24/08/2026

The bank counts debts you probably don’t.

And some can have a much bigger impact on your borrowing power than you might expect.

HECS, credit card limits and other debts can all change the numbers when it comes time to apply for a home loan, even when they don’t feel like a big expense day to day.

We break down 3 debts to watch, how lenders treat them, and what you may be able to do before you apply.

Read the full article 👇
https://www.trilogyfunding.com.au/how-do-hecs-credit-cards-and-other-debts-affect-your-home-loan-borrowing-capacity/

20/08/2026

Having equity today doesn't mean you'll have access to the same amount in 12 months.

A $1 million property dropping 10% in value can mean $80,000 less accessible equity at an 80% LVR.

And here's the part people often miss.

Releasing equity doesn't necessarily mean you need to spend it immediately.

Depending on the loan structure, those funds can potentially sit in an offset against the new loan until you're ready to use them, meaning you're not paying interest on money sitting fully offset.

Then when the right investment opportunity comes along, the funds are already there.

If you've got equity available and you're thinking about investing in the next 6-12 months, now might be the time to find out what you can access.

That novated lease might be doing more than reducing your taxable income. 👀It could also be reducing how much you can bo...
19/08/2026

That novated lease might be doing more than reducing your taxable income. 👀

It could also be reducing how much you can borrow.

Salary packaging, novated leases and other deductions can all be treated differently by lenders, and sometimes the impact on your borrowing capacity is a lot bigger than people expect.

So if buying a property or renovating is on the radar, don't wait until you've found the perfect place to discover your car is messing with your numbers.

We'll run through it with you and show you exactly where you stand.

Let's get the numbers working before you make your next move.

18/08/2026

A great rate and $3,000 cashback sounds pretty hard to beat.

Until you look at what you're actually getting.

If it's a basic loan with no offset and you're someone who keeps a decent amount of savings sitting in cash, that cheaper rate might not save you as much as you think.

And what about additional repayments, loan flexibility and the features you'll actually use?

Cashback is nice.

A sharp rate is important.

But neither tells you whether the loan is actually better for you.

Before refinancing, compare the whole package, not just the number they put in the ad.

Paying off debt as fast as possible sounds like the responsible thing to do.For your home loan? Absolutely.Investment de...
17/08/2026

Paying off debt as fast as possible sounds like the responsible thing to do.

For your home loan? Absolutely.

Investment debt can be a different story.

If you're throwing every spare dollar at paying down an investment loan, you could also be reducing the equity and cash you have available to make your next move.

Sometimes keeping the right debt in place gives you the flexibility to hold one property AND buy the next one.

That doesn't mean more debt is always better.

It means the structure matters.

The goal isn't simply to be debt-free as quickly as possible. It's to make sure every dollar you're paying off is actually helping you get where you want to go.

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

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