No cash, no problem: How smart finance drives property growth

• Strategic bond origination enables investors to secure high loan to value (LTV) finance, preserve cash flow and accelerate portfolio growth across multiple acquisitions.
• Pre-approval, credit optimisation and smart bank negotiations unlock better interest rates, approval success and scalable investment structuring.
• Leveraging multiple lenders and correct company structures helps investors secure 100% finance and maximise long-term investment capacity.

Why investors need a bond originator

At a recent investor evening, Marleze Moller of My Home Loans unpacked one of the most misunderstood but powerful tools in property investing: the bond originator.

Many investors still apply directly to their banks, unaware that a professional originator can negotiate across multiple lenders, optimise deal structures and dramatically improve financing outcomes.

A bond originator’s role includes:

• Structuring finance before investors buy
• Securing pre-approval to define buying power
• Negotiating competitive interest rates
• Managing applications across banks simultaneously
• Structuring deals for portfolio scalability

In short, originators simplify a complex process while unlocking better deals.

Pre-approval remains the cornerstone. Investors often underestimate how portfolio growth impacts borrowing capacity. Knowing how many properties can be acquired and at what pace,  allows investors to scale strategically rather than hit funding roadblocks later.

Technology and smarter finance tools

While lending still requires paperwork, the process is increasingly supported by digital tools, credit analytics and automated bank submission systems.

Originators now use technology to:

• Compare offers across multiple banks in real time
• Analyse credit scores and affordability instantly
• Track approvals and negotiate terms faster
• Structure multi-property portfolios efficiently

Investors also benefit from better preparation. Updated financial statements, proactive credit score management and working closely with accountants significantly improve approval odds.

Marleze emphasised that banks want to lend, but investors must present the right financial picture.

100% Finance: How investors make it work

‍Contrary to popular belief, 100% financing is still achievable, especially through company structures or strong credit positioning.

Key enablers include:

• Strong credit scores and debt management
• Strategic use of company entities
• Leveraging multiple banks instead of relying on one lender
• Negotiating loan-to-value ratios aggressively

Investors also need to understand that loyalty to one bank can limit growth. Diversifying lenders increases approval success and improves negotiating power.

Reframing Finance: Cash preservation is strategy

Modern property investors increasingly focus on preserving cash rather than tying up deposits.

Financing 100% of purchases allows capital to be used for:

• Renovations
• Additional acquisitions
• Development opportunities
• Cash-flow buffers

Cash becomes fuel for portfolio growth, not locked equity.

As Marleze noted, successful investing is not about buying one property well, it’s about building the capacity to buy ten over time.

Finance Is the investor’s growth engine

Property investing success no longer depends only on finding the right deal. It depends on structuring finance correctly.

A skilled bond originator becomes a strategic partner, negotiating rates, unlocking funding capacity and guiding investors through scalable portfolio growth.

The message from the evening was clear: In today’s market, investors who understand finance win faster. And increasingly, the smartest investors know: No cash doesn’t mean no deal, it means smarter structuring.

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