Your next property —
and the one after that.
Sequel structures your lending for where you're going, not just the purchase in front of you, so serviceability doesn't quietly stall your third or fourth deal.
Whether it's your first investment or your fifth, we look at the whole portfolio strategy — not just today's application.
The first property is easy.
It's the third one that separates good structuring from luck.
Most brokers can get you into one investment property. Building a portfolio properly is a different skill — and most of these issues show up right when you need to move fast.
The serviceability ceiling
Most lenders stop saying yes after property two, regardless of your equity. We know which ones assess portfolios differently.
Cross-collateralisation traps
Linking your properties as security can feel convenient — until it quietly limits your next purchase. We structure to avoid it from the start.
Interest-only vs P&I
The right structure depends on your strategy, not a default setting. We work out which actually serves your plan.
SMSF & trust lending
More complex structures need a broker who's actually done them before, not one learning on your file.
"You didn't do anything wrong. Your file is just more complicated than a form can explain — and complicated files need someone who reads past the first page."
We take the files other brokers pass on — and everything in between.
Complex file or straightforward one — refinance, investment, first home or the harder cases — every application gets the same rigour, which means we know exactly which of our 40+ lenders will actually say yes.
Specialist, not generalist
Self‑employed, defaults, ATO debt and career breaks are every day for us — right alongside refinances, investment loans and first home buyers.
Strategy before paperwork
We map your full picture and tell you what's realistic before a single form goes near a lender.
40+ lender panel
Including specialist and non‑bank lenders who price your file properly instead of by a checkbox.
A straight answer, fast
You'll know what's actually possible before you hand over a single document — no runaround.
Meet Adam,
Lending Director.
Adam started Sequel after a career as a professional athlete, where income never looked like a regular payslip and contracts changed year to year. Being taken seriously by a bank meant something different when your file didn't look like everyone else's.
He's been self-employed since 2017 and knows firsthand what it's like to run a business, carry a mortgage, and still not fit neatly into a lender's checklist. These days he's a husband and dad to two boys — and he built Sequel to be the broker he wishes he'd had: someone who reads the whole picture before deciding what's possible.
"I've sat on the other side of the desk, explaining my own file to a lender. I built Sequel so no one has to explain themselves twice."
Four steps to a straight answer.
No paperwork to start, no credit check, no judgement about how you got here.
Tell us your situation
A two-minute form about your income and your goal. Completely private, no credit check.
Get a straight answer
A specialist calls you back and walks through what's realistically possible for your file.
We build the case
The right lender, the right documents, presented properly the first time — not the tenth.
Approved, not just applied
One plan, one lender who fits your file, and someone who stays on it until it settles.
See your numbers before you talk to anyone.
The Sequel Check is a free 60-second pre-check — built for exactly these scenarios. Answer a few questions and get an instant read on your borrowing power.
What the check gives you
An instant, honest read — not a generic checklist.
- An estimated borrowing power, calculated on the spot
- A straight fit rating — strong, workable, or needs a closer look
- Built for self-employed, defaults, ATO debt and career-break files
- No credit check, zero cost, zero obligation
Illustrative example — your result will be based on what you tell us.
Takes about 60 seconds. Indicative estimate only — not a credit approval.
You're probably wondering.
There's no hard legal limit, but serviceability with any one lender runs out fast. The real answer is about structuring across multiple lenders properly — which is exactly what we do.
It's when multiple properties secure the same loan(s), which can seem simpler but often limits your ability to sell or refinance one property independently later. We generally structure to avoid it.
It depends on your cash flow goals and how long you plan to hold the property. We'll talk through the trade-offs rather than defaulting to whichever is easiest to set up.
Often, yes — this is one of the most common ways investors fund their next deposit. We'll calculate how much usable equity you actually have before you go looking.
Yes, though they're more complex and not every lender offers them. If you're considering this route we'll walk you through exactly what's required and whether it suits your situation.
No. The form above is just information you share with us — nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
We call within 24 hours of receiving your details, or the next business day if you get in touch over the weekend. Prefer a set time? Let us know on the call and we'll lock one in.
Let's find out what's
actually possible.
Two minutes. No credit check. No judgement about how you got here — just a straight answer.
