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  
   
   Imad 
 22 August 2024
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jadd as a buyers agent and I would highly recommend him to anyone looking for a trustworthy and hardworking agent.
  
 
     Posted on Google  
   
   Zac Tyrell 
 21 July 2025
 
 
 Trustindex verifies that the original source of the review is Google. Great to work with.
  
 
     Posted on Google  
   
   Haitham Ataish 
 12 May 2025
 
 
 Trustindex verifies that the original source of the review is Google. Omar is the man! Made the whole process smooth and easy! Highly recommend
  
 
     Posted on Google  
   
   Yusuf Yamanyilmaz 
 15 July 2024
 
 
 Trustindex verifies that the original source of the review is Google. Jadd is an absolute professional, and his knowledge truly made my experience with the Citadel Agency second to none. Any question or confusion I had, Jadd was able to break it down in such an articulate way. Citadel Agency made my investment journey feel like a walk in the park. If you're looking for a top-tier property agency that delivers real results, look no further. Highly recommended!
  
 
     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  
   
   Rabia Yigit 
 16 July 2025
 
 
 Trustindex verifies that the original source of the review is Google. I reached out to Omar from Citadel Agency for help with buying a property interstate, and I’m so glad I did. From the beginning, they made the entire process feel straightforward, even though I was unfamiliar with the area and buying remotely. They gave clear, well-researched advice on the local market, walked me through the key risks, and broke down everything I needed to know about buying in a different state. From legal requirements to rental demand and ongoing costs. Their level of detail and transparency gave me real peace of mind. I didn’t feel like I was being sold to — I felt like I had an experienced guide helping me make the right call. Highly recommend for anyone navigating an interstate purchase.
  
 
     Posted on Google  
   
   Daisy Richardson 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. The agents at Citadel are a dream to deal with, friendly, knowledgeable, dedicated and trustworthy. They take the time to get to know their clients and their needs, so you never feel like just another number.
  
 
     Posted on Google  
   
   Bernard Abou-Saba 
 15 April 2025
 
 
 Trustindex verifies that the original source of the review is Google. I have had the pleasure of dealing with Jad and Omar from Citadel Agency as our buyers’ agents for over 2 years, and the experience is always nothing short of exceptional. They are professional, responsive, and incredibly knowledgeable about the market. They took the time to truly understand our clients goals and gave us honest advice, and went above and beyond to secure the right property. Their negotiation skills, attention to detail, and client-first approach made the entire process smooth and stress-free. Our clients feel well supported and well-informed every step of the way. Highly recommend Jad and Omar to anyone looking for dedicated and trustworthy buyers’ agents!
  
 
     Posted on Google  
   
   Justin Dredge 
 28 January 2025
 
 
 Trustindex verifies that the original source of the review is Google. AN excellent, thorough and professional outfit with the clients needs at the forefront. As a client, I felt valued and and heard in regards to my requests & they were followed through with an achievement mindset. In regards to property location, area knowledge and timely feedback, Citadel was a perfect match IOT achieve an investment property match. A very high benchmark and highly recommeded for individuals looking for property purchases, both commercial and private, live in or for investment purposes.
  
 
     Posted on Google  
   
   Ez Anth 
 25 June 2025
 
 
 Trustindex verifies that the original source of the review is Google. Citadel’s process is unmatched. As an interstate investor, I needed eyes and ears on the ground and they delivered. Their attention to detail, suburb-level insights, and negotiation strength gave me complete confidence. What really stood out was their transparency and structured communication. I’ve worked with other agents before, but Citadel plays in a different league. Omar and Jadd, you guys crushed it. Highly recommend.

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.