First investment property, growing portfolio or your next development. Most investor finance problems stay hidden until a bank says no. We find them early and structure the lender and loan that solves them, so your next purchase isn't the one that stalls.
Gaspard Williams
Director and principal broker
Whether it's your first investment property, a growing portfolio or a development, choose the pathway closest to your situation. If it sits in between, tell us.
For first-time and professional investors alike: buying, refinancing, releasing equity or scaling a portfolio. We map your borrowing capacity and lender policy before you commit, so each purchase supports the next.
Explore investment property finance
Small multi-dwelling builds through to larger projects. Development finance turns on costs, planning, equity and exit. We structure the funding around the project, and your experience level.
Explore development financeSolution-based lending is easiest to understand in practice. Here is how we worked through one client's situation using investment property equity.
High interest and short repayment terms on personal loans meant he was borrowing new loans to cover old ones. A profitable business was being drained by debt repayments.
It looked like a debt problem. It was a structure problem. We start with the whole picture, then find the lender and loan that fit.
Client details have been changed to protect privacy. Every situation is different and past outcomes do not guarantee future results. Loan terms and tax outcomes depend on individual circumstances, so seek independent tax advice.
Scroll to see what I look at first, or tap the one that fits you.
What I look at first
What I look at first
What I look at first
What I look at first
What I look at first
Development finance can involve multiple moving parts. Project costs, site acquisition, planning status, construction arrangements, equity contributions, lender requirements and exit strategy may all influence the available options.
Mont Clair Capital works to understand the project, identify the funding challenge and explore potentially suitable finance pathways.
We start with your goal, whether that is cash flow, growth or a development exit, and your current position before looking at lenders.
We consider specialist and non-bank lenders as well as the majors, so a policy limit at one lender is not the end of the plan.
We structure each loan with your next purchase in mind, so serviceability and lender exposure limits do not stall the portfolio.
We explain the process, important considerations, likely requirements and relevant limitations in straightforward language.
"We'd found the block but honestly didn't think we had the numbers to make it work. Gaspard put together a construction loan structure we hadn't considered, got us approved inside two weeks, and we settled before the deadline with finance we thought was out of reach. First investment property done."
James R.Kellyville, first investment property (construction loan)
Solution-based lending for every stage of the investor journey.
Understand borrowing capacity, deposit options and the structure that sets up your second purchase.
Sequence purchases, manage serviceability and avoid lender exposure limits.
Complex entities, larger portfolios and specialist lender access.
Site acquisition, construction and bridging, structured around your project and exit.
Mont Clair Capital is a licensed Sydney brokerage working with investors across Australia. Director Gaspard Williams holds a Certificate IV in Finance and Mortgage Broking and a Diploma of Finance. Credit Representative No. 570546, authorised under National Lending Group and aggregated through Choice Aggregation Services.
Beyond investment property and development finance, we can discuss other lending requirements and assess whether suitable options are available.
We aim to meet and exceed your expectations. When your situation needs more than finance, we bring in specialists we've professionally vetted, so you get five-star service from start to finish.
Specialists are independent professionals providing their own services. Mont Clair Capital provides credit advice only.
Yes. We assess your income, deposit, existing debts and expected rent to show what lenders may allow, then structure the loan so it supports your next purchase. Any outcome is subject to lender assessment.
There is no fixed number. It depends on your serviceability, equity and each lender's exposure limits. Structuring loans across lenders can help keep your borrowing options open as the portfolio grows.
Yes. We review your portfolio, loan structure and cash flow to identify whether a refinance, equity release or lender change could support your next move.
Lenders typically look at project costs, planning status, builder arrangements, your equity contribution, your development experience and the exit strategy. We help you present these to suitable lenders.
Yes. This includes company, trust and SMSF borrowing, larger portfolios and non-standard income, using specialist lenders where suitable.
A decline does not mean no option exists. We review the reasons and look at whether another lender or structure may suit. We cannot promise an approval.
It depends on your income, expenses, existing commitments, security, and lender criteria. Our calculators give a starting estimate, and an assessment gives a clearer answer.
No. An enquiry starts a discussion. Any lending outcome is subject to assessment, verification, lender criteria and applicable conditions.
Whether it's your first investment property, a growing portfolio or a development, start with a conversation about your strategy.