Property investmentSMSF lendingComplex casesRefinancing

You don't need a second deposit to buy a second property.

I help investors find borrowing capacity their bank says doesn't exist.

As a property grows in value and its loan shrinks, a gap opens up between the two. That gap is equity, and lenders will let you borrow against part of it — which is where the deposit for the next property usually comes from. Working out whether yours is ready, and what to do in what order, is our job.

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$100m+In lending

162+Families helped

How we help

What people come to us for.

A lot of it is work other brokers refer out or walk away from. The first conversation is the same whatever brings you in.

Where most of our work is

Building a property portfolio, one deliberate step at a time

Most people stop at one property — usually because they don't know the next move, or their own bank has set them up in a way that quietly blocks it. We think about deal three while we're working on deal one.

How portfolio building works

Work out your usable equity, and what it can actually buy
Keep each property on its own loan, so one never traps another
Choose lenders in an order that keeps the next purchase possible
Annual portfolio reviews, so you know when the next one is on

SMSF lending

Since the 10 August 2026 rule change, a super fund can no longer borrow to buy residential property. What remains — business real property, and refinancing existing loans — is more technical, not less.

Business real propertyRefinancing existing LRBAsBare trusts

SMSF lending, after the ban

Complex & self-employed

New ABNs, contract or commission income, trusts, multiple entities, a credit file with a story. These are the files other brokers pass on — and a large part of what we do.

New ABNTrusts & multi-entityCredit-impaired

How we approach complex files

Refinancing & restructuring

If your fixed rate is ending, or you haven't looked at your loan in two years, there's usually money on the table. If there isn't, we'll say so.

Fixed rate expiryEquity releaseUntangling cross-securities

When refinancing is worth it

Buying your first home

The biggest financial decision you'll make. Deposit, LMI, stamp duty and government schemes, explained until they make sense — no question treated as a silly one.

First Home GuaranteeGuarantor loansDeposit planning

First home buyer guide

In your corner

A corner doesn't just show up on fight night.

That's the whole job description — here's what it looks like in practice.

We don’t stop at “no”

Where most brokers accept a decline, that's where we start: policy exceptions, alternative lenders, restructured applications, until the options are genuinely exhausted.

You'll understand every decision

We walk you through why a structure works and what it means five and ten years out. The loan is never the goal — the right decision is.

An accountant's view of your numbers

Ankur came into broking from accounting and tax. We look at how a lending decision interacts with your structure and tax position, not just this month's rate.

We're still here after settlement

Annual portfolio reviews, a heads-up before a fixed rate rolls off, and the same person on the phone throughout.

Clients

In their words.

5.0 on Google, across 77 reviews. Read them all

★★★★★

I expected my investment purchase to be stressful, but Ankur made it seamless. If you want a broker who truly fights for you, Ankur is the one.

Sunny PatelProperty investor

★★★★★

Seasoned property investors know SMSF approval takes time. He combed through the lenders and somehow got approval within a week.

DharmeshSMSF investor

★★★★★

I had a great experience working with Ankur to secure finance for my SMSF property purchases. My situation wasn't straightforward, but he took the time to understand my needs, work through the challenges and get everything across the line.

Deryl MenezesSMSF investor · Google review

★★★★★

Ankur was extremely quick, courteous, approachable and always accessible. He genuinely had his “thinking cap” on, finding solutions and helping us get the SMSF finance across the line within just two weeks.

Sebastian Manjaly ThomasSMSF investor · Google review

★★★★★

Ankur and his team helped us with refinancing our property and the experience couldn't have been better. We went through multiple rounds of discussions, revaluations and strategizing before finally finding a lender that was suitable. All through this, Ankur was very patient and responsive.

Aamir OgnawalaRefinance · Google review

★★★★★

My situation turned out to be far more complex than initially expected due to unexpected serviceability challenges, but he handled it with absolute professionalism and persistence. Instead of taking the easy route, he took the time to deeply understand my financial position, explored multiple lender options, and proactively navigated the complexities to find a workable solution.

Ruby JeenComplex lending · Google review

Reviews are clients' own words about their own situations, and may describe lending arranged before the 10 August 2026 SMSF rule change.

Case studies

Real files, details removed.

What a "no" can turn into.

Refinance

A lower rate, and $120k for the next property.

Stuck at 6.14% with an 84% LVR. A stronger valuation unlocked 5.29%, saving $528 a month on a $980k loan.

Read the story

Structure

Same purchase, $3,360 apart.

An extra $670 of borrowing would have cost five times as much in LMI. The structure made the difference.

Read the story

First home

A first home, after every lender said no.

A new job, $53k of HECS and a low deposit. Approved with an LMI waiver, and buying power up from $650k to $750k.

Read the story

Ankur Ahluwalia, founder and mortgage broker at Aarya Wealth

Your broker

Meet Ankur.

Ankur came to mortgage broking from accounting and tax, which is why we look at how a lending decision interacts with your structure and tax position — not just this month's rate.

$100m+ in lending, and more than 162 families helped so far.

More about Ankur

You don't need a second deposit to buy a second property.

What people come to us for.

Building a property portfolio, one deliberate step at a time

SMSF lending

Complex & self-employed

Refinancing & restructuring

Buying your first home

A corner doesn't just show up on fight night.

We don’t stop at “no”

You'll understand every decision

An accountant's view of your numbers

We're still here after settlement

In their words.

Real files, details removed.

A lower rate, and $120k for the next property.

Same purchase, $3,360 apart.

A first home, after every lender said no.

Meet Ankur.

Whatever you have been told is impossible, start by telling us about it.

Start with a conversation.

Thanks — that's landed.