01
Investment lending
Purchase, refinance and equity release structured for deductibility and future borrowing capacity.
- Investment loans
- Rate and structure reviews
- Equity release
- Negative gearing review
Who we help · Property investors & landlords
Property returns are decided by finance, tax and management.
Acquisition, lending, management and sale — with the tax and ownership structure handled by the same firm. For investors with one property or a substantial portfolio.
The decisions in front of you
Investing in Victorian property is more complex than it was.
Compliance, holding costs and tax all affect the real return.
Compliance
More obligations
Rental minimum standards, safety checks and new energy efficiency standards from 1 March 2027 make professional management part of protecting the return.
Holding costs
Interest, land tax and fees
Higher interest costs and land tax have changed the cashflow on many portfolios. Your loan structure and rate deserve a regular, independent review.
Hold or sell
The after-tax question
Whether to hold, sell or restructure depends on the after-tax outcome, your borrowing capacity and what the capital could do elsewhere.
How we help
Everything around the investment property.
Engage one division, or have the whole portfolio looked after in one place.
02
Property management
Leasing, rent collection, inspections, maintenance and compliance handled by an experienced team.
- Leasing and renter selection
- Inspections and reporting
- Maintenance coordination
- Arrears management
03
Landlord compliance
Minimum standards, safety checks and the 2027 energy efficiency standards tracked and planned for each property.
- Minimum standards checks
- Gas and electrical safety
- Smoke alarm compliance
- Energy efficiency planning
04
Tax & ownership structure
Ownership structure, depreciation, deductions, land tax and CGT handled by our accountants.
- Ownership structure
- Rental schedules and returns
- Land tax review
- CGT on sale
05
Sales
When selling is the right answer, an evidence-based campaign run by an experienced auctioneer.
- Appraisal
- Auction or private sale
- Marketing
- Negotiation
06
Portfolio strategy
An annual review of the whole portfolio — yield, growth, debt, tax and what to do next.
- Hold or sell analysis
- Borrowing capacity review
- Rebalancing
- Retirement planning
The divisions involved
One team, every angle.
Engage the divisions you need. Each can be engaged on its own.
Property
Management and sales
Leasing, management, compliance and sales.
Explore the division →FinanceInvestment lending
Loans, refinances and equity release.
Explore the division →Accounting & TaxTax and structure
Ownership, depreciation, land tax and CGT.
Explore the division →Hedley CapitalWealth strategy
Property in the context of super and retirement.
Explore the division →Who you deal with
A team that manages property and understands finance.
Our property management team works alongside the firm’s brokers and accountants.
Kayla Crea
Head of Property Management
Kayla leads the property management division, overseeing a substantial rent roll and the compliance framework behind it: AML/CTF, rental minimum standards, inspections and arrears.
Blake Hedley
Managing Director · Property & Finance
17+ years in finance and property, with a Bachelor of Commerce and Law and a Master of Property. Blake leads lending and premises strategy, is a senior auctioneer, and is the authorised representative behind Hedley Capital.
Common questions
Questions investors ask
Yes. A lending review compares your current rate, fees and structure against the market, and checks whether the structure still supports deductibility and future borrowing.
Sign a management authority with us and give your current agent the notice your agreement requires. We handle the handover of records, keys and bond details.
It depends on the after-tax outcome, your borrowing position and what you would do with the capital. We can model the hold and sell scenarios side by side, including CGT.
An SMSF can still buy property, but the 2026 tax reforms prohibit SMSFs from using limited recourse borrowing to buy residential property. Borrowing for commercial property, such as business premises, remains possible. Whether it is appropriate is a question for personal financial advice through Hedley Capital.
Not if you signed the contract before 7:30pm AEST on 12 May 2026 — those properties keep negative gearing until sold. Established property bought after that time can only offset losses against property income from 1 July 2027. See negative gearing changes explained.
Resources
Useful before the first meeting.
Guide · Landlords
Owning a rental in Victoria: what has changed and what is coming
Minimum standards, the 2027 energy rules and the hold-or-sell question.
Read the guide →ToolRental yield calculator
Gross yield, net yield and weekly cashflow.
Open the calculator →ToolVictorian stamp duty calculator
Estimate land transfer duty on a purchase.
Open the calculator →Hedley Partners is a group of separately regulated businesses. Accounting and tax services are not provided under an AFSL or ACL. Credit is provided under ACL 517192 (LMG Broker Services Pty Ltd). Financial advice is provided through Hedley Capital under AFSL 499010 (MFG Advice Pty Ltd). Real estate services are provided under Victorian estate agent’s licence 088916L. Information on this page is general only. Full details: Licensing & disclosures.
Is your portfolio working as hard as it could?
A free review of your lending, management and structure.