Should I buy in my own name, a trust or a company?

That is a question for your accountant or tax adviser, because the answer depends on your whole situation. We build the purchase around the structure they recommend and keep them updated through settlement.

How do lenders look at business income?

It varies. Some lenders assess self-employed income differently from others, and your tax returns, financial statements and trading history all come into it. A mortgage broker can tell you what applies to you.

How much of my time will this take?

You join the strategy call and review each shortlisted property. We handle the research, agents and paperwork in between, and you approve every purchase.

How much do I need to get started?

The discovery call suits people with access to at least $125K in savings or equity, or guarantor support. Your broker confirms what you can borrow, and your plan is built around that figure.

Do you buy commercial property too?

Yes. We also buy commercial property, such as offices, warehouses and retail premises. Your accountant and broker confirm whether it suits you and how it should be held.

What happens on the discovery call?

It is a free 15-minute conversation about your goals, timeline and current property position. We explain how our team works and discuss whether the support fits your needs. There is no obligation to proceed, and you do not need to be ready to buy.

InvestorKit for business owners

Your business is your biggest asset. It shouldn’t be your only one.

Name: InvestorKit
Address: 151 Clarence St, Sydney, NSW, 2000, AU
Telephone: +611300119796

We build a property plan around what your broker says you can borrow and how your accountant wants it held, then research, check and negotiate for you. You approve every purchase, and we handle the search and purchase work so your time goes on the decisions.

850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.

Step 1 of 2

Let's start with your full name *

What is your email address? *

And what is your mobile number? *

What stage are you at in your property journey? *

Anything to share before the call?

By submitting this form you agree to our privacy policy and terms of use, and consent to InvestorKit Group marketing by email and, if you provide a mobile number, SMS. Opt out anytime.

Takes 30 seconds to book. Private and secure.

Sound familiar?

You’ve built one engine. You want a second that runs without you.

Your income is hard to explain to a bank
Your tax return may not show what the business really earns, and lenders read self-employed income in different ways.
Structure feels like a maze
Your own name, a trust or a company. Everyone has an opinion, and a wrong call can be expensive to unwind.
Every hour on property is an hour out of the business
Inspections, agent calls and paperwork compete with staff, customers and cash flow for the same few hours.
Too much rides on one asset
Most of your wealth sits in a business you also rely on for income. You know that is a lot riding on one thing.

What is really going on

Start with lending and structure. Then pick the property.

Most business owners we speak with come to us wanting to find a property. The better starting point is what a lender will accept and how your accountant wants the purchase held. With those two answers settled, the search has clear boundaries, and your attention stays on the business.

Who does what

We run the purchase. Your broker and accountant set the frame.

InvestorKit does

Build the purchase brief around the borrowing and structure your advisers confirm
Research markets across Australia and shortlist properties that fit the brief
Run our 20-point due diligence on every shortlisted property
Negotiate the purchase, then keep your broker, accountant and solicitor updated through settlement

Your licensed specialists do

Your mortgage broker or lender: how your business income is assessed and what you can borrow
Your accountant or tax adviser: whether to buy in your own name, a trust or a company, and the tax that follows
Your solicitor or conveyancer: the contract, title and any trust or company documents
Your licensed financial adviser: how property fits alongside the business and your super

InvestorKit does not provide financial, tax, legal or credit advice, or advice on how to structure a purchase.

How we help business owners

Property handled for you. Decisions kept with you.

Four steps, each one coordinated with the professionals who already advise you and the business.

Book your free call

01
Start with a free call
A 15-minute conversation about your goals, the business and where your finance is up to. There is no obligation.
02
Set the brief with your advisers
We agree a brief that fits the borrowing your broker confirms and the structure your accountant recommends, with buffers for the ups and downs of business income.
03
Research and check every property
We compare markets across Australia on data, then run our 20-point due diligence on every shortlisted property. You see why each one passed or was rejected.
04
Negotiate and coordinate settlement
We negotiate the purchase and line up the contract and settlement with your broker, accountant and solicitor. You approve and sign, and we do the chasing.

From your first call, to what comes next.

Experience behind the approach

Meet our clients

Clients with a completed purchase19 Sept 2026: 2,200+
Completed property purchases22 July 2026: 3,100+
Typical time from signing to exchange22 July 2026: 2 to 4 months

REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.

Dated company experience. Purchase counts and reach are historical; individual outcomes vary and are not a forecast of your results.

Success stories

Business owners building wealth beside the business.

From a bank’s no to a clear plan.

An electrician who went on to run his own business, Brenton had been told by his bank he could not borrow again. We showed him the data behind each market, then bought in Brisbane and later Adelaide.

Michael’s story

Building wealth alongside the business.

Michael went from employee to running an automotive business. Since joining us in 2020, he has bought residential and then commercial property across five states.

Daniel’s story

Treated us like a specialist on his team.

With a busy business and purchases of his own behind him, Daniel was sceptical at first. He came to use us like any specialist he outsources to: he brings the finance and signs, and we do the work.

Swipe to exploreKeep scrolling to exploreContinue down the page

In their words

What clients say about working with us.

Excerpts from verified Google reviews. Individual experiences, not promised or typical results.

As a business owner with young kids, I have very little time to do my research. Before coming to InvestorKit, I did have some properties but I was not sure what strategy was required and also what the best locations would be for my budget.

Well thought out, data driven strategy that made my life a whole lot easier. As someone that works in professionals services myself, I know how hard it can be to deliver based on client expectations.

As two busy executives who travel frequently for work, we knew we didn’t have the time to become SMSF property experts ourselves. Our philosophy was simple: find the experts, trust the process, and let them do what they do best. InvestorKit exceeded every expectation. They managed our entire SMSF property purchase from start to finish, including while we were overseas.

A fair question

Will a bank even lend to me?

That is a question for your broker or lender, and we will not guess at the answer. Lenders assess self-employed income in different ways, so it helps to work with a broker who knows business owners. Some clients come to us after a bank has said no, as Brenton did. We build the plan around what your broker confirms, and we coordinate with them and your accountant rather than give credit, tax or structure advice.

We work alongside your broker and accountant, not around them.
Paid by you only: no developer commissions and no selling agent referral fees.
You approve every purchase. Nothing is bought without your agreement.

Your next step

Start with a free 15-minute call.

Tell us where you are and what you want. We will explain how we work and whether we are the right fit. You do not need to be ready to buy.

The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.

Book your free call

Free 15-minute call. No obligation.

850+ five-star Google reviews. REB Buyer's Agency of the Year, winner 2023, 2024 and 2026.

Weighing your options

Investing on your own, or a team beside you.

See the full comparison

The alternative

Investing on your own

You build the plan
Build your own strategy and seek professional input where needed.
You assess the evidence
Source data, compare markets and decide which evidence to trust.
Your search and network
Search listings and build your own agent relationships.

With InvestorKit

A team beside you

Strategy, together
Work with a property strategist to connect your goals, buying brief and portfolio plan.
Dedicated research
A dedicated research team assesses supply, demand and market fundamentals.
A team sourcing for you
An acquisitions team sources opportunities through listings and agent relationships.

Rules and policy

What has changed recently

Current at 26 September 2026. General information, not financial, tax or legal advice. Check how any change applies to you with your accountant or adviser.

Law, not yet startedFederalFrom 1 July 2027
Negative gearing limited for established homes
From 1 July 2027, losses on established residential investment properties bought after 7:30pm AEST on 12 May 2026 can only be offset against residential property income and gains, not wages. Properties already held at that time keep their current treatment, and newly built homes are exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Law, not yet startedFederalFrom 1 July 2027
CGT discount replaced by indexation and a 30% minimum tax
For gains that build up from 1 July 2027, the 50% capital gains tax discount is replaced by indexing the cost base to inflation, plus a 30% minimum tax on the real gain. Gains built up before that date keep the 50% discount, and main residences stay exempt.
Source: ATO: negative gearing and CGT reforms (opens in a new tab), Budget 2026-27 explainer (PDF) (opens in a new tab)
Draft for consultationFederal
Draft 30% minimum tax on discretionary trusts
Treasury has released draft law for a 30% minimum tax on income from discretionary (family) trusts, planned to start on 1 July 2028. It is a draft for consultation only, is not law and could change before it reaches Parliament.
Source: ATO: minimum tax on discretionary trusts (opens in a new tab), Treasury consultation (opens in a new tab)
In forceFederalFrom 1 February 2026
Bank limit on high debt-to-income lending
Since 1 February 2026, each bank can make no more than 20% of its new home loans at a debt-to-income ratio of six times or more. It caps the bank’s share of that lending, not any one borrower, and loans to buy or build new homes are exempt.
Source: APRA: limit on high debt-to-income loans (opens in a new tab)

An honest fit check.

The discovery call suits people with access to at least $125K in savings or equity, or guarantor support.

Most of your wealth sits in your business and you want something beside it
You have a broker and accountant, or are open to an introduction
You want property handled without it taking over your week
You want to approve decisions, not chase paperwork

A good fit

This may suit you if...

You want tax or structure advice from us. That sits with your accountant
You want to borrow as much as you can, whatever the risk to the business
You want a return promised upfront. Nobody can honestly offer one

Probably not a fit

This may not suit you if...

Before you decide

Good questions.
Straight answers.

Talk it through with us

See every situation we help with

A plan for the equity before a property, with your broker handling the lending.

A plan for what to buy next and why, with the legwork handled and you keeping the final say.

A research method you can audit, from national markets down to the street, with the key assumptions and checks explained.

Comparing your options? InvestorKit vs DIY property investing or InvestorKit vs Single-purchase buyer's agents.

Start with where you are.
Plan from there.

Tell us about your situation and what you want from property. We will talk through how we work and whether our support fits your next step.

Free 15-minute call. No obligation. 850+ five-star Google reviews.

Book your free call Explore client stories

Your business is your biggest asset. It shouldn’t be your only one.

Your income is hard to explain to a bank

Structure feels like a maze

Every hour on property is an hour out of the business

Too much rides on one asset

Start with lending and structure. Then pick the property.

InvestorKit does

Your licensed specialists do

Start with a free call

Set the brief with your advisers

Research and check every property

Negotiate and coordinate settlement

From a bank’s no to a clear plan.

Building wealth alongside the business.

Treated us like a specialist on his team.

Will a bank even lend to me?

Start with a free 15-minute call.

Investing on your own

You build the plan

You assess the evidence

Your search and network

A team beside you

Strategy, together

Dedicated research

A team sourcing for you

Negative gearing limited for established homes

CGT discount replaced by indexation and a 30% minimum tax

Draft 30% minimum tax on discretionary trusts

Bank limit on high debt-to-income lending

Read more from InvestorKit

This may suit you if...

This may not suit you if...

Should I buy in my own name, a trust or a company?

How do lenders look at business income?

How much of my time will this take?

How much do I need to get started?

Do you buy commercial property too?

What happens on the discovery call?

“We have equity in our home, but we don’t want to use it badly”

“We bought one, then life got busy and we stalled”

“I can judge a deal on paper. Finding, inspecting and negotiating one from my desk is another matter”