SMSF Refinance Special – Limited Time Only
Why self-employed portfolios stall earlier
Every investor hits serviceability limits eventually. Business owners hit them sooner, for three reasons stacked on top of each other.
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Your assessable income is understated unless a lender allows generous add-backs, and many do not.
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The panel is smaller. Fewer lenders write low doc, so you exhaust exposure limits across the panel faster than a PAYG investor does.
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Low doc LVRs are tighter, typically capping at 80%, so each property releases less equity for the next deposit.
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None of that is a reason to stop. It is a reason to plan the order rather than take whichever lender says yes first. The Low Doc Loan Experts (LDLE) team is here to help sequence your investment property loans properly.
The move most property investors miss
Once a property has a clean repayment history and your financials have caught up, refinance it onto a mainstream lender.
That does two things at once. You usually get a better rate on the existing loan. More importantly, you free that low doc lender's capacity for your next purchase.
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Investors who never do this end up with their entire property portfolio parked on the small panel, no exposure left anywhere, and no way forward except selling. Investors who cycle their finished properties onto prime keep the low doc panel available for the acquisitions that actually need it.
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This is the single most valuable thing our mortgage brokers do for portfolio clients, and it only works if someone is managing the portfolio as a whole rather than one loan at a time.
SMSF Refinance Special – Limited Time Only
What a portfolio review covers
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Which lender should fund your next purchase, and which to hold in reserve
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Which existing loans are ready to move to prime, and what that frees up
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Usable equity across the portfolio, generally to 80% of value less current debt
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Cross-secured loans that need untangling into standalone facilities, one property per loan
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Where an ATO debt or aged lodgement is blocking you, and what clears it
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Pricing across the panel, because a portfolio carrying an unnecessarily low doc margin on four loans is losing real money every month
Keeping your accountant declarations current
Property portfolio owners need a fresh declaration for each application, and lenders want it recent. That turns your accountant into part of your buying timeline rather than a once-a-year appointment.
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It becomes a problem when your accountant is unfamiliar with alt-doc policy, slow to turn documents around, or unwilling to sign a generic bank form because of the liability involved. At auction pace, a week's delay is a lost property.
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At Low Doc Loan Experts (LDLE), we remove that friction. We maintain an established network of qualified accountants who understand self-employed cash flow and work to lender timeframes. If you do not have one, or yours is holding you up, we'll introduce you to someone who won't.
SMSF Refinance Special – Limited Time Only
No inflated rates, multiplied across a portfolio
On one loan, an unnecessary margin can be a mere annoyance or inconvenience. Across four or five, it is a holiday house you never bought.
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Low Doc Loan Experts is not aligned to a single lender, so we price each loan against the panel on its own merits and review the portfolio annually. Rates move, lender policy moves, and your own position moves. A structure that was right two years ago rarely still is.
Frequently asked questions (FAQs)
There is no fixed number. The practical limit is each lender's exposure ceiling for one customer and your declared serviceability, which is why spreading across the panel and cycling finished properties onto prime lenders matters so much.
Yes, and the strongest portfolios usually do. Properties with established histories and current financials sit with mainstream lenders, while low doc capacity is reserved for new acquisitions. Getting the mix right is most of the strategy.
Not automatically. Some lenders will decline outright; others will consider it if there is a payment arrangement in place and the debt is being managed. In many cases, it can be consolidated into a refinance at a lower cost than the ATO's own interest charge.
Generally yes, and lenders want it current. Keeping your accountant in the loop about your buying plans makes each application faster, which is worth doing before you go to auction rather than during.