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   Top Rated Service
   5.0 Excellent rating Last 12 months 
  New reviews collected regularly Recent review activity detected 
  Leading Service Google Maps rating and review data 
  Verified by Trustindex Based on real customer reviews Learn more 
 
 
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Lochie Reid 
 28 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’ve had excellent dealings with Jadd and many other staff members at Citadel. Highly recommended.
  
 
     Posted on Google  
   
   O A 
 8 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I had a really positive experience working with Citadel Agency and would happily recommend them to anyone looking to get into the property market.

Omar and Jadd were fantastic throughout the entire process of securing my first investment property. From the beginning, everything felt straightforward and genuine. There was no pressure, just clear communication and honest guidance.

They really took the time to understand what I was trying to achieve and made sure I felt confident at every stage. What stood out most was how transparent and reliable they were, they followed through on everything they said.

Overall, the whole experience felt smooth and well-handled, which made a big difference. I’m very happy with the outcome and wouldn’t hesitate to work with them again in the future.
  
 
     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  
   
   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  
   
   Rio Varen 
 17 June 2024
 
 
 Trustindex verifies that the original source of the review is Google. Jadd was amazing to work with, found a buyer for my property and the process was seamless. Will definitely recommend Jadd to anyone looking to buy a property. Great work, Jadd!
  
 
     Posted on Google  
   
   A Safi 
 27 May 2025
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Citadel as my buyer's agent, and I can't recommend them highly enough. What stood out immediately was their deep analytical insight into the market – every recommendation was backed by data, not just opinion. Throughout the process, Citadel was completely transparent, ensuring I always felt informed and in control. What truly made the experience exceptional, though, was the friendly and approachable manner in which everything was handled. No question was too small, and every step of the journey was clearly explained. It made a typically stressful process feel seamless and empowering. Thank you, Omar, Jadd & the team at Citadel!
  
 
     Posted on Google  
   
   Nasrine Lazkani 
 29 November 2023
 
 
 Trustindex verifies that the original source of the review is Google. Our experience with Citadel for a swift property review was nothing short of exceptional. Recognizing our urgency, they promptly scheduled a comprehensive review of the house we were eyeing. They arrived punctually, armed with vital information about the property and its surroundings. Their transparent communication and insightful guidance on both positives and potential concerns demonstrated a deep understanding of the real estate market.
What set Citadel apart was their personalized approach. They tailored their insights to our needs, making the review not only informative but also enjoyable. I highly recommend Citadel to any young couple seeking to better understand the value of a given home. Their commitment to excellence and client satisfaction truly make them stand out. If you want a quick, informed decision on your property, trust Citadel. Thanks again Jadd + team!
  
 
     Posted on Google  
   
   Dylan K 
 5 September 2024
 
 
 Trustindex verifies that the original source of the review is Google. Great experience from our first conversation, all the way through to settlement. Great communication along the journey and also even post purchase the communication has still been great with regular follow ups.
Highly recommend!
  
 
     Posted on Google  
   
   simon 
 25 June 2025
 
 
 Trustindex verifies that the original source of the review is Google. Buying interstate always felt a bit daunting, but Citadel made it easy. They know Melbourne’s property scene inside out and were always one step ahead. From shortlisting suburbs to crunching the numbers, their analysis was spot on. We appreciated how accessible they were and no question was too small, and they really took the time to educate us along the way. Plus, they absolutely nailed the negotiation. Wouldn’t hesitate to use them again or recommend them to others.
  
 
     Posted on Google  
   
   Ridvan Atlihan 
 3 June 2025
 
 
 Trustindex verifies that the original source of the review is Google. From the moment I approached Jadd and Omar, I had nothing but confidence in their ability to help me purchase my first investment property. I was able to remain focussed on work/life commitments while receiving important updates from the team and having crucial information explained carefully to me. Their exceptional knowledge of the market and the close relationships they have with other professionals in the field meant we were able to efficiently secure a great investment opportunity within a month.
Not having much experience in property myself, what started as a daunting endeavour turned into an stress-free and streamlined process thanks to Citadel!

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.