How We Help
Property Investment Structuring
The structure decision you only get to make once cheaply
Personal name, trust, company, look-through company or a combination — the entity your property sits in affects your tax rate, your losses, your asset protection and what happens when you sell.
We compare the realistic options against your actual portfolio, your lending and your plans, and we tell you which one fits and what it will cost to get there.
Most portfolios grow into the wrong structure by accident
The first property goes in a personal name because it was simple. The second follows because changing seemed like a hassle. By the fifth, the structure is costing money every year and unwinding it triggers tax.
- Income taxed at a higher personal rate than it needs to be
- Losses stranded in an entity that can't use them
- Personal assets exposed to business or portfolio risk
- Bright-line dates reset by a restructure done at the wrong time
- Succession and family arrangements far harder than they should be
What structuring advice covers
Entity comparison
Trust, company, LTC, partnership or personal — modelled side by side on your numbers.
Tax outcome
Effective tax rate now and on eventual sale, under each option.
Asset protection
Separating personal assets from portfolio and business risk.
Lending impact
How each structure affects serviceability and what banks will lend against it.
Restructure cost
What moving would trigger, including bright-line and GST consequences.
Succession
How the structure handles family, partners and eventually passing it on.
Why choose Finex for property investment structuring?
Property specialists
Property is not a sideline for us. Bright-line, interest deductibility, GST on developments and trading stock are everyday territory, not something we look up when it comes up.
Fixed fees, agreed up front
You know what you're paying before we start. No surprise invoices and no meter running when you pick up the phone with a question.
Contact through the year
We keep in touch rather than appearing once a year at filing time, so decisions get made with advice attached instead of afterwards.
Chartered Certified
Finex is an ACCA practice. The work is reviewed, the standards are enforced and your filings are done properly the first time.
The same team every year
You deal with people who already know your structure and your history, not whoever happens to pick up the file this season.
Next Step
Build your portfolio on the right foundation
Tell us where you're at and what you need. We'll come back with a fixed fee and a clear next step — no obligation.