Investor specialists
We help professionals scale from one property to many. Every loan we write is structured around the next purchase, not just this one.
We back ourselves: Rate Match on any written offer, plus $1,000 cashback on $1M+ loansHow it works →
Mortgage broking for property investors
The loan engine for building a multi-property portfolio.
Most brokers find you a rate. We structure every loan so your next purchase is still possible, then keep restructuring as your portfolio grows.
50+ lenders on our panelLegally bound to act in your best interestsNo broker fee to you
How your loans are set upIllustrative example
Typical setupOne bank, all tied together
HomeLender A
Investment 1Lender A, same loan pool
Cross-collateralised
Next purchaseCapacity capped
Borrowing room leftCapped
Rate Engine setupEach property stands alone
HomeLender A · standalone
Investment 1Lender B · standalone
Next purchaseLender C · ready to buy
Borrowing room leftKept
50+ lenders compared on every loan★★★★★"They have their clients' best interests fully at heart." Nicole C.Rate Match on any written offer$1,000 cashback on $1M+ loans★★★★★"Truly felt like a partnership." Priyank R.Written portfolio review in 24 hoursFounded by property investors★★★★★"Made the whole process easy and stress-free." Jignesh P.Quarterly rate checks after settlementNo broker fee to youLicensed. ACR 56699850+ lenders compared on every loan★★★★★"They have their clients' best interests fully at heart." Nicole C.Rate Match on any written offer$1,000 cashback on $1M+ loans★★★★★"Truly felt like a partnership." Priyank R.Written portfolio review in 24 hoursFounded by property investors★★★★★"Made the whole process easy and stress-free." Jignesh P.Quarterly rate checks after settlementNo broker fee to youLicensed. ACR 566998
50+lenders compared, so every loan gets the sharpest rate we can find
24 hrsto your written portfolio lending review
$1,000cashback when you settle a $1M+ loan with us, on top of any lender cashback
Quarterlyrate checks on every loan in your portfolio after settlement
Why Rate Engine
A broker built for investors, by investors.
Not a rate shop and not an old-school broker. A lending team set up for one job: getting you to your next property.
Built by investors
We're property investors ourselves. We structure your loans the way we structure our own, with the same lenders and the same playbook.
Answers in 24 hours
AI and our own software do the heavy lifting, so your review lands in 24 hours and your application is with the lender within a week of your documents. Questions get answered the same business day, not next week.
Our promise
Book my reviewWe back ourselves.
A sharper rate, or money back. If we can't deliver, you shouldn't use us.
RATE MATCHFound a sharper rate? We'll match it.
Show us a written rate offer for the same loan and we'll match it on our panel.
CASHBACK$1,000 back on $1M+ loans.
Paid by us, on top of any lender cashback. $500 at settlement, $500 at 12 months.
Rate Match applies to a written offer for the same loan amount, LVR, product type and repayment type, and is subject to lender approval. Cashback applies to new loans and refinances of $1,000,000 or more arranged through Rate Engine, paid $500 at settlement and $500 at 12 months. Full terms.
Why investors overpay and stall
It's the rate and the structure. We fix both.
A high rate costs you every month. A bad structure caps how much you can borrow next. We go after both, so you pay less now and keep buying later.
Paying the loyalty tax
Lenders save their sharpest rates for new customers. We price every loan you hold against 50+ lenders and push for a sharper deal, every time.
Tangled securities
Cross-collateralised loans let one bank hold your equity hostage. We keep each property standalone so equity can move when you need it.
Wrong lender order
Lenders assess rent, existing debt and buffers differently. Use the generous one first and you burn capacity you'll need later. We sequence lenders across your plan.
Set and forget
Your portfolio changes every year. Your loans usually don't. We check your rates every quarter and review your structure before each purchase.
Structured to match your portfolio growth
Built for portfolio scaling. So you don't stop at two.
You get a written plan that maps each purchase to the right lender, structure and timing, so every loan sets up the next.
- Stage 1
Home plus first investment
Release equity cleanly, split loans, offset set up for tax, not just repayments.
- Stage 2
Scaling past two
Standalone securities, lender sequencing and interest-only terms that protect capacity.
- Stage 3
When personal capacity runs out
SMSF and trust lending, specialist lenders and policy options that keep you buying.
- Ongoing
Rate Watch
Quarterly rate checks across every loan. If a lender slips behind the market, you hear from us first.
Strong rates
Sharp investor rates across our panel.
Investment loan, $1,000,000, variable, principal and interest. Run on 9 November 2026.
| Lender type | Rate | Comparison rate |
|---|---|---|
| Tier 2 bank | 6.44% p.a. | 6.44% p.a. |
| Big four bank | 6.45% p.a. | 6.47% p.a. |
| Non-bank lender | 6.84% p.a. | 6.88% p.a. |
Sample rates, one per lender type, for the scenario above. Rates change and depend on your circumstances. All loans subject to lender approval. Comparison rates are calculated on a $1,000,000 loan over 30 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Matched to the right lending policy
The rate gets you in. The policy decides what you can buy next.
We match you on the rules that move your borrowing power:
- How much of your rent each lender counts
- How your existing loans are assessed
- Interest-only terms and limits
- LMI waivers for eligible professionals
- SMSF, trust and new-build lending
What 0.40% is worth
Small rate gaps turn into big numbers.
$31,757The extra you'd pay over ten years at 6.84% instead of 6.44% on a $1,000,000 investment loan. That's $265 a month, every month.
Quarterly rate checks exist so that gap never quietly opens up on a loan you already have.
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Cumulative extra repayments on $1,000,000 over 30 years, principal and interest, comparing the 6.44% and 6.84% rates from our panel run on 9 November 2026. Arithmetic, not a forecast. Rates change, and your rate depends on your situation and lender approval.
The Rate Engine offer
Book my reviewYour portfolio lending review. In your inbox within 24 hours.
Every loan you hold, checked against 50+ lenders and your next purchase. Written up, in dollars, so you know exactly what to do next.
01
Rate check
Every loan in your portfolio priced against 50+ lenders. Have a sharper written offer? We'll match it on our panel.
02
Structure audit
Cross-collateralisation, loan splits, offsets and interest-only expiry dates. Anything quietly capping your next purchase.
03
Borrowing capacity
What you can borrow for the next property, and which lender's policy gets you there.
04
Next-step plan
Which lender, which structure and in what order, written up so you can act on it with or without us.
The review is general in nature until we confirm your details. Rate Match and cashback terms are above.
Built by experienced investors
We lend the way we invest.
We build our own portfolios with the same lenders, structures and sequencing we recommend to you. No theory. Just what's worked on our own loans.
Ahijith and Nikhil also founded Handle Properties, a buyers agency for investors. Use us for the lending alone, or for both.
Visit Handle Properties →
What investors say about working with us
5-star Google reviews★★★★★Nik and AJ's service and dedication to doing what is right by their client truly blew me away, and is like nothing else. They bring expertise and service excellence to what can be a daunting process (and an industry that can otherwise seem filled with sharks). They listened, were patient with my many questions and helped make sure that I was 100% comfortable with any strategy or offer presented. They have their clients' best interests fully at heart, and make sure all decisions are data-driven and strategic rather than emotional.
★★★★★Highly recommend AJ and Nik! We couldn't be happier with the service. They were super proactive in finding great properties and identifying pros and cons. Having them take the lead on all the back-and-forth with agents was a huge weight off our shoulders.
Beyond just the "buy," they took the time to explain the 'why' and helped us map out a solid plan for our portfolio goals. Truly felt like a partnership!
★★★★★We had such a great experience working with AJ and Nik to buy an investment property in QLD. They both were super responsive, helpful, and made the whole process easy and stress-free.
They kept us updated every step of the way and genuinely cared about helping us to find the right property — they even managed to secure the property with long term tenancy in place.
Straight answers
Who is Rate Engine for?
Professionals who own a home, often one or two investments, and want to keep buying. If you're planning property two, three or beyond, you're who we built this for.
What does it cost me?
Nothing. Lenders pay us a commission when your loan settles. See how we get paid.
Will talking to you affect my credit score?
No. A call and your portfolio review don't touch your credit file. A credit check only happens when you choose to apply.
Can you help with SMSF or trust lending?
Yes. When personal borrowing runs out, SMSF and trust structures are often the next step. We work alongside your accountant on both.
Do I have to use Handle Properties?
No. Most of our clients come to us for the lending alone.
Get your portfolio lending review.
Tell us where your portfolio is today. A lending specialist will call to take the details, then you'll have your written review within 24 hours.
No credit check. No obligation.
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