Citadel Agency plans your finance alongside your purchase. We work with hand-picked, investor-focused mortgage brokers to structure your loans, use your equity and keep buffers in place, so the right loan is ready before the right property is.
See how much equity you could use and what it might buy next.
We do not chase pre-approvals. We design your finance like a business owner would: with flexibility, buffers and future scalability in mind.
Understand your position, goals, borrowing power, and buffers.
Use our Game Plan to model multiple purchase pathways.
Collaborate with your broker to design the right lending strategy.
Fast, streamlined approvals through elite partners.
Post-settlement reviews to access equity and plan your next move.
Navigating your first finance deal.
Multiple income streams, structured properly.
Investors building a 3+ property portfolio.
Unique income scenarios, set up right the first time.
I had the pleasure of working with Omar and Jadd at Citadel to secure my interstate investment property, and I couldn't be more impressed with their service. From the very beginning, they were proactive, knowledgeable, and incredibly supportive throughout the entire process.
Their insights were spot-on and helped us save money while making smart, informed decisions. Their professionalism, combined with a friendly and approachable style, made the entire experience smooth and even enjoyable.
The first step to building a successful portfolio is having the right advice and an experienced team on your side, and that's exactly what I got from Citadel.
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.
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.
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.
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.
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.
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.
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.
Strategy, sourcing, checks and negotiation from start to settlement.
Learn moreA second opinion on a property you have already found.
Learn moreContract review and settlement for investors.
Learn moreBuying property through your super fund, under the 2026 rules.
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