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Client Stories · Complex Lending Case Study
How One Sydney Family Reached 11 Properties and $45M Across Multiple Companies
Dalpreet Johal
Can I keep borrowing to build a property portfolio when my income is spread across multiple company structures?
Yes. Banks that assess only one company’s taxable income often stall when income sits across several entities, distributions and retained profits. Present the whole group the way a credit team needs to see it, match it to a lender with the appetite to fund it, and a complex structure is no barrier to serious, ongoing lending. That is exactly how we grew this Sydney family’s holdings to eleven properties and roughly $45M.
A self-employed client with multiple companies and a high net worth first came to us wanting to buy their very first residential investment property. The ambition did not stop there. They wanted to keep acquiring and build real wealth over time, and the income and assets were there to do it, spread across a group of companies, distributions and retained profits.
The obstacle was never whether they could afford it. It was structure. Their income and assets sat across several companies, and most banks struggled to assess lending against that kind of multi-entity setup. Each new purchase and acquisition carried its own deadline, and any lender that could not get comfortable with the structure would stall the whole plan.
We engaged directly with the client’s internal accountants and external advisers to map exactly how the entities fit together and what the family was trying to build.
Rather than force the file on a lender that could not read the structure, we aligned each purchase with a bank comfortable funding a complex company group, and negotiated better-than-market terms through private banking channels.
We worked to every purchase and acquisition deadline as the portfolio grew, coordinating the banks so each settlement landed on time.
Key Case Study Figures
Every purchase and acquisition was approved and settled on time, and the family’s long-term plan for financial security is being executed on schedule. Bluesky is now their preferred channel for anything financial, and that trust has extended to the next generation: we now work with the client’s children and business partners too.
“You will make it happen.”
Bluesky client, Sydney · Google review
Yes. Several lenders will assess company profits, add-backs and distributions across a group when the financials are presented correctly. Banks that look only at personal taxable income often decline strong applicants, so the key is matching your structure to a lender whose policy fits.
Beyond a certain lending size, private banking channels open up, where pricing is negotiated rather than advertised. We secured this family’s rates through those channels across all three of their major-bank facilities.
Yes, and it is usually an advantage. Spreading facilities across lenders like Westpac, CBA and ANZ can improve pricing and capacity, provided someone coordinates the whole picture. That coordination is exactly what a broker is for.
Outcomes depend on individual circumstances and are not a guarantee of future results. This is not credit advice. Any rates or figures mentioned are historical, reflect this client’s lending at the time of settlement, and are not an offer or quote.
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