Mortgage Corp

Mortgage Corp The Mortgage Specialist For Current & Future Property Investors. We Provide Solid Advice on Structuring Your Loans for Long-Term Investment Success.

Clients-results driven mortgage broking company specialising in helping successful professionals buy multiple investment properties, [through smart financing] so they can have consistent passive income coming in before they retire.

Buying in a trust? Key benefits: asset protection, tax flexibility, estate planning & privacy. 🛡️ But financing can be c...
22/05/2026

Buying in a trust? Key benefits: asset protection, tax flexibility, estate planning & privacy. 🛡️ But financing can be challenging - stricter LVRs, higher rates & more documentation. The right lender match is crucial! Considering a trust for your next investment? Expert advice via Link in Bio.
https://mortgagecorp.com.au/

Considering purchasing investment property through a trust? 🏠 It can offer significant advantages, but also comes with u...
21/05/2026

Considering purchasing investment property through a trust? 🏠 It can offer significant advantages, but also comes with unique financing challenges!

**Potential Benefits:**
* 🛡️ **Asset Protection:** Provides a layer of protection from potential creditors or legal claims
* 💰 **Tax Flexibility:** May allow for income distribution across family members
* 📝 **Estate Planning:** Facilitates smoother intergenerational wealth transfer
* 🕵️ **Ownership Privacy:** Offers greater privacy regarding beneficial ownership
* ⏳ **Perpetual Ownership:** Can continue beyond the life of the original investor

**Key Financing Challenges:**
* Some lenders have specific policies or decline trust applications entirely
* You might face stricter loan-to-value ratio requirements
* Interest rates may be slightly higher compared to individual borrowing
* Additional documentation and trust deed review extends the application process
* Directors or trustees may need to provide personal guarantees

**Strategic Considerations:**
* Different trust types (discretionary, unit, hybrid) have different implications
* Factor in setup costs, ongoing administration, and compliance requirements
* Consider how the trust structure affects your ability to sell or transfer the property later
* Get coordinated advice from your mortgage broker, accountant, and legal advisor

At Mortgage Corp, we work closely with trust borrowers to navigate these complexities.

We're proud to support Jayco Australia's FightMND raffle - a national fundraising campaign for Motor Neurone Disease res...
21/05/2026

We're proud to support Jayco Australia's FightMND raffle - a national fundraising campaign for Motor Neurone Disease research.

The prize is a brand-new Jayco JRV-AV Adventurer Campervan, valued at over $168,000. Tickets are $25, and every dollar raised goes to FightMND.

Two Australians are diagnosed with MND every day. Campaigns like this fund the research that will change that.

Raffle closes 30 June:
https://www.jayco.com.au/fightmnd

Purchasing investment property through a trust structure can offer significant advantages for some investors, but it als...
20/05/2026

Purchasing investment property through a trust structure can offer significant advantages for some investors, but it also presents unique financing challenges and considerations. Understanding both the benefits and potential complexities is essential before proceeding with this strategy.

**Potential Benefits of Trust Ownership:**

* **Asset Protection:** Trusts can provide a layer of protection for your assets from potential creditors or legal claims.

* **Tax Flexibility:** Income distribution flexibility may allow for tax optimisation across family members or related entities.

* **Estate Planning:** Trusts can facilitate smoother intergenerational wealth transfer and potentially reduce estate complications.

* **Ownership Privacy:** Trust structures can offer greater privacy regarding the beneficial ownership of assets.

* **Perpetual Ownership:** Unlike individual ownership, trusts can continue beyond the life of the original investor.

**Key Financing Challenges:**

* **Lender Restrictions:** Many lenders have specific policies regarding trust lending, with some declining trust applications entirely.

* **Lower LVRs:** Some lenders impose stricter loan-to-value ratio requirements for trust borrowers.

* **Higher Interest Rates:** Trust loans may attract slightly higher interest rates compared to individual borrowing.

* **Additional Documentation:** Trust deed review and additional documentation requirements can extend the application process.

Strategic win! 💪 We saved an investor $15,000 in LMI by structuring their loan across two properties instead of one! By ...
18/05/2026

Strategic win! 💪 We saved an investor $15,000 in LMI by structuring their loan across two properties instead of one! By using equity in their existing property, they secured their new investment with no LMI premium while maintaining tax effectiveness. Smart structuring makes all the difference! Link in Bio.
https://mortgagecorp.com.au/

How we saved an investor $15,000 in Lenders Mortgage Insurance through smart loan structuring! 💪💰**The Challenge:** Our ...
15/05/2026

How we saved an investor $15,000 in Lenders Mortgage Insurance through smart loan structuring! 💪💰

**The Challenge:** Our client, an experienced investor, was purchasing their next investment property valued at $650,000. With funds for a 15% deposit ($97,500), they were facing an LMI premium of approximately $15,000. This extra cost was impacting their investment returns and limiting their remaining cash buffer.

**Our Smart Solution:** After reviewing their entire portfolio, we spotted an opportunity! They had substantial equity in one of their existing investment properties. Instead of a standard loan structure, we:

1. Arranged a loan split across TWO securities - the new property AND an existing investment property
2. Created a structure where the combined loan-to-value ratio across both properties stayed below 80%
3. Ensured the loan documentation clearly separated the debt for tax purposes

**The Amazing Result:** The client purchased their new investment property with NO LMI premium - saving $15,000! 🎉 The structure maintained appropriate equity buffers while preserving the tax effectiveness of their investment debt. The saved funds went toward building their cash reserve and planning for their next investment!

**Key Takeaway:** Looking at your entire portfolio rather than individual properties often reveals optimisation opportunities!

Looking to expand your property portfolio while minimising costs? Let's chat about strategic loan structuring options! 😊

Lenders Mortgage Insurance (LMI) can add significant costs to property investment, but with strategic loan structuring, ...
14/05/2026

Lenders Mortgage Insurance (LMI) can add significant costs to property investment, but with strategic loan structuring, these costs can sometimes be minimised or avoided entirely. This case study demonstrates how Mortgage Corp helped an investor save thousands while still achieving their portfolio expansion goals.

**The Challenge:** Our client, an experienced investor, was looking to purchase their next investment property valued at $650,000. With available funds for a 15% deposit ($97,500), they were facing an LMI premium of approximately $15,000. This additional cost was impacting the overall investment returns and limiting their remaining cash buffer.

**The Mortgage Corp Solution:** After a comprehensive review of the client's entire portfolio, we identified that they had substantial equity in one of their existing investment properties. Rather than using a standard loan structure, we recommended a strategic approach:

1. We arranged a loan split across two securities—the new property and an existing investment property with available equity
2. This created a "cross-collateralised" structure where the combined loan-to-value ratio across both properties remained below 80%
3. We ensured the loan documentation clearly separated the debt for tax purposes, maintaining the tax-deductible status of the investment debt

**The Result:** The client successfully purchased their new investment property with no LMI premium, saving approximately $15,000. The structure maintained appro

Package loans: Worth the annual fee? 💰 For a $500k investment loan, a 0.15% discount saves ~$750/year. Minus the $300-40...
13/05/2026

Package loans: Worth the annual fee? 💰 For a $500k investment loan, a 0.15% discount saves ~$750/year. Minus the $300-400 package fee, plus any waived fees = your net benefit. Larger loans and multiple properties often make packages worthwhile! Need a cost analysis? Link in Bio.
https://mortgagecorp.com.au/

Package loans charge an annual fee (usually $300-400) but offer discounts and benefits. Are they worth it for property i...
11/05/2026

Package loans charge an annual fee (usually $300-400) but offer discounts and benefits. Are they worth it for property investors? 🤔 Let's do the math!

**Typical Package Benefits:**
* 🔻 Interest rate discounts (usually 0.1-0.3% off standard rates)
* 💳 Fee waivers (loan establishment fees, annual credit card fees, account fees)
* 🏘️ Multiple loan discounts (same package fee often covers multiple loans)
* 🛡️ Additional products (discounted insurance, financial planning services)

**The Value Equation:**
For a $500,000 loan with a 0.15% discount, you'd save approximately $750 per year in interest.
Add waived fees (credit card $100-200, account fees, etc.)
Subtract the package fee ($300-400)
= Your net benefit

**When Packages Typically Deliver Value:**
* For larger loans where the interest discount generates significant savings
* When you have multiple loans with the same lender
* When you actively use the bundled products
* For investors planning to expand their portfolio with the same lender

**When Packages May Not Be Worth It:**
* For smaller loans where savings don't offset the annual fee
* When you don't use the additional products
* When non-package loans offer comparable rates without the fee
* When you're planning to hold the loan for only a short period

Not sure if a package is right for you? Call us for a detailed cost-benefit analysis tailored to your specific portfolio! 📞 1300 138 943

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Is Lenders Mortgage Insurance (LMI) always bad? 🤔 For investors, sometimes paying LMI to enter the market sooner makes s...
08/05/2026

Is Lenders Mortgage Insurance (LMI) always bad? 🤔 For investors, sometimes paying LMI to enter the market sooner makes strategic sense! It can enable portfolio diversification, preserve cash buffers, and may be tax-deductible. Calculate whether it's worth it for your situation - Link in Bio.
https://mortgagecorp.com.au/

Address

Level 1, Building 1, 658 Church Street
Cremorne, VIC
3121

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 5pm

Telephone

+611300138943

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