Sydney's Property Investment Advisory and Finance Broker

Most lenders require a minimum 10-20% deposit for investment properties in Sydney. With LJ Advisory, we access 40+ lenders to find options starting from 10% deposit (with Lenders Mortgage Insurance), or 20% to avoid LMI entirely. Some lenders offer 90% LVR for strong applicants with clean credit history and stable income. First-time investors in NSW may also benefit from stamp duty concessions. Book a free strategy call for a personalised borrowing capacity assessment.

A finance broker like LJ Advisory acts as your advocate across multiple lenders — we compare rates, terms, and features from 40+ banks and non-bank lenders simultaneously. Going directly to your bank means you only see one set of products. A broker saves you time, often secures better rates (our clients save an average of $3,000+ per year), and provides access to specialist lenders that don't deal directly with the public. Our service is free to you — we're paid a commission by the lender you choose.

Yes, your Self-Managed Super Fund (SMSF) can purchase residential or commercial property using a Limited Recourse Borrowing Arrangement (LRBA). The property must meet the 'sole purpose test' — it must be for retirement benefits only. You cannot live in it or rent it to related parties for residential property. LJ Advisory specialises in SMSF property loans with compliant lenders offering up to 80% LVR for residential and 75% for commercial purchases. We ensure your SMSF loan meets all ATO and SIS Act requirements.

With LJ Advisory, we typically secure conditional pre-approval within 48 hours for straightforward residential applications. Complex cases involving commercial property, SMSF, or construction finance may take 5-10 business days. Pre-approval is generally valid for 3-6 months depending on the lender and gives you confidence to make offers at auction or by private treaty knowing your exact borrowing capacity.

Childcare centre finance requires specialist lender knowledge that most brokers lack. Major banks typically offer 60-70% LVR for childcare properties, while specialist lenders may go to 75-80%. Key assessment factors include occupancy rates, ACECQA quality ratings, local demographic demand, and operator experience. LJ Advisory has deep expertise in childcare centre finance across NSW and Australia — we've helped multiple operators with acquisitions, new constructions, and refinancing of existing centres.

LJ Advisory's property investment advisory covers the full investment lifecycle: commercial property acquisition strategy, feasibility analysis, development approval (DA) finance planning, portfolio structuring for tax efficiency, equity release strategies for scaling, and ongoing portfolio reviews. Unlike standalone buyer's agents, we combine strategic advisory with direct access to 40+ lenders — so you get both the strategy and the finance execution in one place.

Commercial property acquisition finance in Sydney typically requires 20-35% deposit depending on the property type and your experience. Key factors lenders assess include rental income (or projected income), lease terms, tenant quality, zoning, and your personal financial position. LJ Advisory helps investors structure acquisitions across office, retail, industrial, childcare, and medical properties — including pre-purchase feasibility assessments and multi-lender comparisons.

Yes, but options are limited pre-DA. Most lenders treat the site as residual land with LVRs of 50-65%. Once DA is approved, specialist development lenders can offer higher leverage including construction draw-down facilities. LJ Advisory helps developers at every stage — from land acquisition through DA, construction finance, and project completion. We also advise on entity structuring (trust, company, JV) for optimal tax and asset protection outcomes.

Yes, our broker service is genuinely free to you. We are paid a commission (called a 'trail' and 'upfront' commission) by the lender you ultimately choose. This is standard practice for all mortgage and finance brokers in Australia and is regulated by ASIC. We are legally required to act in your best interest under the Best Interests Duty — meaning we must recommend the loan that's most suitable for you, not the one that pays us the most.