Handle Finance
Borrowing power is a strategy, not a rate.
Most brokers structure the loan around the property in front of you. We structure it around the portfolio you are trying to build over the next ten years.
What do you need funded
Lending built for people who intend to buy again.
Every structure we write is tested against your next purchase, not just this one. Serviceability, ownership entity and loan type are chosen so the third property is still possible after the first.
Investment loans
Structured for portfolio growth. Split, offset and entity decisions made with the next purchase already modelled.
Start hereHome loans
First home or forever home. We compare the full panel and explain the trade-offs in plain terms.
Start hereRefinancing
Sharper rate, better features, or a structure that no longer suits the portfolio you have built.
Start hereEquity release
Turn existing growth into the deposit for the next asset without selling anything.
Start hereSMSF lending
Limited recourse borrowing arranged with lenders who genuinely understand super fund structures.
Start hereConstruction and development
Progress draw facilities for builds, duplexes and small-scale development sites.
Start hereThe Handle advantage
Your broker and your buyer's agent are the same firm.
Everywhere else, finance and acquisition are two companies who email each other. The gaps between them are where deals get slow, where borrowing capacity gets discovered too late, and where the good stock disappears.
Strategy
Ten-year plan, entity structure, target purchase sequence.
Finance
Capacity modelled, structure set, pre-approval secured before searching begins.
Acquisition
Handle Properties sources and negotiates, on-market and off.
Settlement
Conveyancing, inspections and tenant placement coordinated in one line.
Review
Rates renegotiated and equity reassessed every six months.
Handle Finance owns step two. Because we sit inside the same group as the buyers agency, your capacity is known before a single property is shortlisted.
How it works
Four steps. No sales fluff.
Map your position
Income, existing debt, entity structure and goals. We model borrowing capacity across the panel before recommending anything, so you know the real ceiling rather than one bank's version of it.
Structure the lending
Loan type, split, offset placement and ownership entity chosen to protect future serviceability. Getting this wrong on property one is the single most common reason investors stall at property two.
Secure the approval
We prepare the application, present it to the lender most likely to say yes on policy, and manage it through valuation, approval and settlement.
Review every six months
Rates get renegotiated, equity gets reassessed, and when serviceability allows we start the conversation about the next purchase. The job does not finish at settlement.
Our commitment
What you get, every time.
Investor-first structuring
We build for the portfolio, not the transaction. Every decision is tested against the next purchase.
A full lender panel
Access to more than 60 lenders, including non-bank and private options most brokers will not touch.
One firm, both sides
Finance and buying advisory under the same roof, with the same team accountable for the outcome.
Portfolio-level modelling
Serviceability run across your whole position, not just the property currently on the table.
Plain answers
You will be told what a structure costs you as well as what it gains you. No selective maths.
Ongoing rate reviews
Every six months we go back to the lender on your behalf. You do not have to ask.
Who you deal with
Meet your property specialists.
You will not be handed to a call centre. AJ is the licensed broker who writes your loan and Nik sets the strategy behind it. Both built their own portfolios before they built this firm.
Director and Mortgage Broker
Ahijith Chandra
Credit Representative 566997
AJ is the licensed mortgage broker who writes your loan. A former venture capital investor and fintech director, he spent his career optimising balance sheets for performance and now applies the same thinking to household ones. He built an $8m personal portfolio alongside a corporate role, and runs Handle across finance, buyers agency and developments.
Director
Nikhil Sreedhar
Nik sets the strategy your lending is built around. A former financial planner and accountant who deployed more than $200m for some of Sydney's wealthiest families, he built an $8m personal portfolio on a salary before going full time on Handle. Structure, entity and serviceability are the parts he actually enjoys.
Client reviews
Don't just take our word for it.
Reviews shown are for the Handle group, including Handle Properties buyers agency. Handle Finance reviews will be shown separately as they are collected. Read them in full on Trustpilot.
Common questions
Answers, before you book.
What does Handle Finance cost me?
Do I have to use Handle Properties as well?
How much can I actually borrow?
Can I use equity instead of a cash deposit?
Should I get pre-approval before I start looking?
Do you handle SMSF and commercial lending?
Book a call
Find out what you can actually borrow.
Fifteen minutes. We will map your current position and tell you plainly whether the next purchase is possible now or what needs to change first.