Overview

This couple owned two properties – their home in Sydney NSW and an investment in Regional NSW. They wanted to purchase another investment property while simplifying their loan structure and making the most of their RSU income.

The Challenge

They had multiple loan splits, $260k in available equity, and strong incomes, but without using RSUs, their borrowing capacity for a third property would fall short.

They also wanted their investment debt structured for tax efficiency, and loan splits simplified so it was easier to track deductible interest at tax time.

The Approach

We analysed their full income profile:

• Borrower 1 (Atlassian): Base salary: $220,000 | | RSU average: ~$70,000
• Borrower 2 : Base salary: $75,000 | Overtime: $5,300 |

We:

• Recommended a lender that accepts RSUs in full for servicing to maximise capacity.
• Ordered valuations: Sydney home at $1.5m, Investment property at $786k.
• Refinance strategy:
  • Consolidated existing investment loans into one facility secured against the Regional property.
  • Released $260k equity from the Sydney home for the next purchase.
• Structured the new purchase at $850k with a $630k loan at 74% LVR.
• Kept overall LVRs below 80% for sharper pricing.
• Resulted in just four total loan splits for clearer tax tracking.

The Result

• Funded an $850k investment purchase.
• Monthly repayments across all loans: ~$12,512 (OO P&I, INV IO).
• Simplified loan structure for easier tax reporting.