Brokering & Finance

Smart Property Requires Smarter Finance 

A great property is only half the equation. The other half? Structuring your finance to build long-term wealth, protect your cashflow, and set you up for your next move. 

At Citadel, we don’t just “leave finance to your broker.” We strategically coordinate your property plan with elite finance partners to make sure your money is working harder, from day one.

We don’t chase pre-approvals. We design your finance like a business owner would: with flexibility, buffers, and future scalability in mind.

Why Our Clients Get Better Finance Results

Most investors walk into the bank with a hope and a plan.
Our clients walk in with a roadmap, a structure, and a strategy.

Here's what that looks like:

Pre-approval based on your long-term property plan – not just today’s purchase
Loan structuring that maximises tax efficiency, buffers risk, and enables future growth
Offset accounts and interest-only options tailored to your cashflow goals
Fast, competitive finance from our trusted broker network
Ongoing finance reviews to unlock equity and reduce loan drag
Cross-collaboration with your accountant or financial planner if needed

We Don’t Just Find Loans.

We Build Lending Strategies.

We work closely with hand-picked brokers who specialise in investment lending, complex structures, and high-income professionals people who understand tax, trusts, cross-collateralisation, and risk modelling.

Whether you’re:

We know how to get the deal structured right the first time.

Finance That Protects You, Not Just Approves You

What we avoid:

With Citadel, your finance isn't a side task, it's part of your GamePlans Strategy.

Strategic Finance. Seamless Execution.

Here’s how we integrate it into your buying journey:

Discovery

Understand your position, goals, borrowing power, and buffers

Forecast

Use our Game Plan to model multiple purchase pathways

Structure

Collaborate with your broker to design the right lending strategy

Secure Finance

Fast, streamlined approvals through elite partners

Review & Scale

Post-settlement reviews to access equity and plan your next move

We support finance Australia-wide

Including Melbourne, Sydney, Brisbane, Perth, Adelaide, and regional hubs.

The Citadel Advantage:

Property + Finance =
One Strategy. One Team.

You’re not juggling multiple service providers who don’t talk. We align your purchase, plan, and finance into one cohesive process.

Outstanding Experience

Working with Jadd was an outstanding experience from start to finish. As first-time homebuyers, we had a lot of questions, and he patiently and thoroughly answered every single one. His expert guidance was invaluable in helping us navigate the market and find the perfect property. He’s also a skilled negotiator and secured a fantastic deal for us. We highly recommend him!

Game-Changer

Working with Omar at Citadel Agency has been a total game-changer for my property investment journey. From our very first call, he brought clarity, strategy, and a deep understanding of what makes a solid investment property. Omar didn’t just help me buy real estate. He helped me make a smart move that aligned with my long-term goals. His buyer’s agency expertise is second to none. Every piece of advice was backed by data, market insight, and financial logic. I felt supported at every stage and never pressured. If you’re looking for a buyer’s agent who truly cares about your investment success and brings a sharp strategic lens to the table, Omar is the one you want in your corner.

Want a Finance Strategy That Works for You, Not Against You?

Book Your Free Strategy Call

We’ll review your goals and show you how we align property and finance into a plan that actually builds wealth.

Here’s what our previous customers have to say

       
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Abdul-Kareem Elsayed 
 30 January 2026
 
 
 Trustindex verifies that the original source of the review is Google. We used Citadel Agency for a pre-purchase property review and were really impressed. The report was clear, detailed, and super helpful in helping our family assess whether the property was the right fit. It gave us peace of mind and helped avoid some hidden issues we wouldn’t have spotted ourselves. Highly recommend their service if you’re buying with confidence in mind.
  
 
     Posted on Google  
   
   Fahad Mustafa 
 24 January 2024
 
 
 Trustindex verifies that the original source of the review is Google. Awesome service from Jadd. Very professional and prompt with his responses.
  
 
     Posted on Google  
   
   Michael Armour 
 6 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. We recently used Citadel Agency to assist us with the purchase of our first investment property in Tasmania and were extremely happy with the experience. Buying interstate adds another layer of uncertainty, and having a buyer’s agent representing our interests made a genuine difference. Citadel helped us through the property search, due diligence and negotiation process, and gave us confidence that we were making decisions based on the property as an investment rather than emotion. What we particularly appreciated was having someone on the ground who could help us navigate the various issues that inevitably arise during a purchase, including matters identified through the building and pest inspection. We always felt that our interests were being represented and that we could rely on their advice when decisions needed to be made. The end result is a property we are very happy to have added to our investment portfolio. We would have no hesitation recommending Jadd from Citadel Agency to anyone considering using a buyer’s agent, particularly for an interstate investment purchase. A very worthwhile service and a well-deserved 5 stars.
  
 
     Posted on Google  
   
   karen harrish 
 29 January 2025
 
 
 Trustindex verifies that the original source of the review is Google. Citadel Property Agency (Jadd) came highly recommended by our mortgage broker, and engaging Jadd mid-year to help us purchase an investment property outside Sydney was one of the best decisions we've made. With three kids and full-time jobs, we were not only out of touch with the property market but also too busy to even know where to begin—our last property purchase was our family home 21 years ago. From our very first conversation with Jadd, we knew we were in excellent hands. He was exceptional throughout the entire process, helping us secure an off-market property at below-market value. Jadd guided us every step of the way, from property selection to settlement, ensuring everything was seamless—including securing a tenant and setting the right rental price. It’s still early days, but we’re confident we’ve made a fantastic investment that will help secure our family’s financial future. Thank you, Jadd & Citadel Property! Karen & Matt Harris
  
 
     Posted on Google  
   
   Resistance 
 12 September 2025
 
 
 Trustindex verifies that the original source of the review is Google. Working with Citadel during my property purchase was a masterclass in negotiation. Their ability to read the market, anticipate vendor moves, and structure offers with precision made all the difference. What stood out most was their calm, strategic approach, no pressure, just clear advice backed by experience. They knew exactly when to push, when to hold back, and how to position me for the best outcome. In a competitive environment, their negotiation skill gave me a real edge. If you're serious about securing the right deal, Citadel is the buyers agency you want on your side.
  
 
     Posted on Google  
   
   Kathryn Stephens 
 23 May 2025
 
 
 Trustindex verifies that the original source of the review is Google. I can’t speak highly enough of the team at Citadel, especially Omar and Jadd, who have consistently gone above and beyond in helping my clients secure their ideal properties. Their strategic insight and clear communication make all the difference. They don't just transact — they truly partner with you to ensure every decision is backed by logic, research, and long-term thinking. What sets Omar and Jadd apart is their ability to break down complex scenarios and create a pathway that aligns perfectly with the client’s short- and long-term goals. Whether it's working through negotiations, helping structure the right terms, or proactively solving challenges before they arise, their service level is truly second to none. Their professionalism, integrity, and ability to work collaboratively with brokers and clients alike makes them a standout in the property advisory space. I always feel confident referring clients to them, knowing they'll be well looked after and positioned for success. Highly recommend Citadel and this exceptional duo if you're looking for sharp, client-focused property strategists who genuinely care about outcomes.
  
 
     Posted on Google  
   
   sideekah copeland 
 26 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. I recently worked with Omar from Citadel Agency and had a fantastic experience. His communication was clear, professional, and consistently prompt throughout the entire process. The services provided were outstanding, and everything was handled seamlessly. I highly recommend the team ant Citadel Agency and would definitely use their services again!
  
 
     Posted on Google  
   
   Rahi Shakerian 
 18 January 2024
 
 
 Trustindex verifies that the original source of the review is Google. We used Citadel for guidance on investment property purchase. Their analytics data was much better than what I've seen from real estate agents and it was backed up with comparable property sales. They gave me a demographic overview for the suburb and the potential renters - that was gold. They were prompt and their info is easy to understand. Very happy with the service
  
 
     Posted on Google  
   
   osman 
 27 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. I used Jadd for the purchase of an interstate investment property. I was initially a bit hesitant purchasing interstate but Jadd made the whole experience seamless and I don’t regret it at all. He has great connections on the ground in order to find the best properties for his clients. He explained things quite well and his research was very thorough.  When the time came to buy a property, he used his connections and negotiation skills to put my application first and I was able to successfully buy the property in a hot market. Would highly recommend
  
 
     Posted on Google  
   
   Lachie Ambler 
 9 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Thought about buying my first investment property at 25, Bought my first investment property at 27, didn’t know where to start or what to do, the guys at citadel and I crossed paths mid 2025 and where able to pull the trigger on a property by early 2026, every move and every action was precise and made everything so easy to understand and wrap my head around, there communication is flawless, the whole experience has been great, and at the current rate we are going the property we chose, another one will be achievable 12-14 months after the first purchase date…. Wild couldn’t recommend more.

Frequently Asked Questions

Find answers to common questions about Estatein’s services, property listings, and the real estate process. We’re here to provide clarity and assist you every step of the way.

Do I need a mortgage broker to buy an investment property?

Many investors choose to work with a licensed mortgage broker because investment lending can be more complex than a standard home loan. Brokers compare lenders, policies, and structures to find finance options that suit your goals. At Citadel, we connect clients with experienced, investor-focused brokers for tailored advice.

Can I use equity from my home or investment property to invest again?

Equity can often be used to help fund another purchase, but the right strategy depends on your personal circumstances. A licensed mortgage broker or lender will assess your position and explain your options. We work alongside specialist brokers who guide our clients through this process safely.

What’s the typical deposit required for an investment property?

Generally, lenders may require around a 20% deposit for an investment loan, though some options exist with lower deposits depending on lender criteria. The exact amount varies and will be explained by your mortgage broker or lender.

Should I choose interest-only or principal & interest repayments?

Both loan types are available for investors, but the right choice depends on your financial situation and long-term plans. A mortgage broker will outline the pros and cons of each based on your circumstances. At Citadel, we ensure you’re connected with brokers who understand investment lending structures.

Can you help with refinancing?

Yes, many investors refinance to potentially access equity, reduce repayments, or restructure loans. Citadel doesn’t provide finance advice directly, but we work closely with licensed brokers who can review your loans and advise whether refinancing is suitable for you.

Do you assist with Islamic finance or Sharia-compliant lending?

Yes, we can connect clients with brokers and lenders who specialise in Islamic finance options. These Sharia-compliant products are structured differently from traditional loans and are designed to align with Islamic principles. Your broker will explain how these work and whether they are suitable for your situation.

Do I have to use your recommended brokers?

No, you’re free to use any broker or bank of your choice. However, most of our clients prefer our referral partners because they specialise in investment lending and understand how to structure loans for portfolio growth.