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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.

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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:

  • A first-time buyer navigating your first finance deal
  • A busy professional with multiple income streams
  • An investor building a 3+ property portfolio
  • Self-employed with unique income scenarios

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

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Finance That Protects You, Not Just Approves You

What we avoid:

  • ❌ Overleveraged loans with no exit strategy

  • ❌ Locked-in loan products that stop you scaling
  • ❌ Poor tax structuring that costs thousands long term
  • ❌ Uncoordinated advice between your broker, accountant, & property team

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:

01

Discovery

Understand your position, goals, borrowing power, and buffers

02

Forecast

Use our Game Plan to model multiple purchase pathways

03

Structure

Collaborate with your broker to design the right lending strategy

04

Secure Finance

Fast, streamlined approvals through elite partners

05

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!

Vireshwar Dravid

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.

Olivia Turner

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.

Let’s structure it right

Here’s what our previous customers have to say

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.