10 Jul 2025

Step 4: Financing your investment properties

Featuring Damian Collins and Caylum Merrick

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How can smart financing strategies help you build a larger property portfolio while poor loan structuring can limit your growth potential?

Host Damian Collins continues Season 2 of the Property Investing Roadmap podcast with step four of his proven nine-step framework: Financing your investment properties. Joined by Caylum Merrick, Manager of Property Strategy and Finance at Momentum Wealth, they explore how proper loan structuring can be as important as the properties you choose to buy for building long-term wealth.

What you’ll learn:

  • Why loan structuring is almost as important as property selection for portfolio growth
  • The biggest financing mistakes property investors make (including cross-collateralisation)
  • How purchasing in different entities can impact your borrowing capacity
  • The advantages of offset accounts compared to redraw facilities for investment loans
  • The dangers of cross-collateralisation and how it can trap you with one lender
  • How to safely access equity from existing properties to fund new investments
  • What to look for when choosing a mortgage broker who specialises in property investment
  • Simple strategies to increase your borrowing capacity (and what decreases it)
  • When and how often you should review your loan arrangements

FREE RESOURCE

Want to learn how to structure your investment property loans for maximum growth potential? Discover essential financing strategies in Momentum Wealth’s free online guide, A Beginner’s Guide to Property Finance.

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SUPPORT FOR INVESTORS

Looking to structure your property investment loans for optimal growth? Discover the tailored support available to investors through Damian’s property investment advisory, Momentum Wealth.

Featuring

Damian Collins

Host, Property Investing Roadmap
Managing Director, Momentum Wealth
Chairman, Westbridge Funds Management

Damian Collins is the Founder and Managing Director of residential property advisory, Momentum Wealth, and Chairman of Australian property funds management company, Westbridge Funds Management. Damian is the author of the Amazon Best Seller, Property Investing Roadmap: How to build an income from property for life and host of the Property Investing Roadmap podcast. He is a well-known advocate across Australia’s real estate industry, previously serving as President of the Real Estate Institute of WA (REIWA) from 2018 to 2022 and as a Director of the Real Estate Institute of Australia. Having been an active property investor himself for over 30 years, Damian continues to apply his extensive experience to help fellow investors grow wealth through direct and syndicated property investments.

Caylum Merrick

Department Manager – Property Strategy & Finance, Momentum Wealth

Caylum has more than a decade of experience in the finance and lending industry, with a strong focus on leadership and mentorship. As Department Manager for Momentum Wealth’s Property Strategy and Finance divisions, he is passionate about helping others succeed, guiding and supporting a team of finance brokers to develop their skills and achieve their potential. He holds a Diploma in Mortgage Broking and a Certificate IV in Leadership and Management, and is committed to fostering continuous growth and excellence within his team to ensure clients receive expert advice and a tailored experience throughout their property journey.