Secured against the rent roll itself, not your home. M&A and reinvestment while you're building the agency, equity release along the way, and succession finance structured for when it's time to step back. Portfolios are typically valued at 2.5x to 4.5x annual management income, with loan-to-value ratios of 60% to 70% and facilities from $500K to $30M+.
Rent roll finance is lending secured against an agency's property management portfolio — the recurring management fees landlords pay — rather than against residential or commercial property. Because that income is contracted and relatively predictable, lenders treat the rent roll as a bankable business asset.
Our brokers come from corporate and commercial banking — we have sat on the credit side of these transactions and know what an approvable rent roll deal looks like. We work with the bank and specialist non-bank lenders active in this asset class across New South Wales and Western Australia, present your portfolio the way their credit teams assess it, and structure the multiple, LVR, and retention mechanics together rather than treating the loan as an afterthought.
$5.7M share sale of a real estate agency in Western Sydney — an acquisition facility structured against the rent roll, with staged drawdowns aligned to the retention clause.
Terms are indicative of the current Australian market and vary by lender, portfolio quality, and borrower circumstances. Pricing depends on the specific transaction — every deal is credit assessed.
For most principals the question eventually stops being how to grow the rent roll and starts being how to get paid for it. The buyer is often already inside the business — a partner, a sales director, the next generation of the family — and rarely holds the equity to fund the book outright.
Debt closes that gap. A staged buy-in lets an incoming principal take the rent roll in tranches as retention proves up. An equity release lets the outgoing principal take value off the table ahead of a full sale. Because the facility is written against the portfolio's management income, the handover does not hinge on either party's home. Vendor finance typically sits alongside bank debt rather than replacing it, and lenders will want the outgoing principal's involvement mapped across the transition. How much of the income moves with the buyer drives the whole structure — which is the part worth modelling before you agree a price.
The Rent Roll Intelligence Suite is a set of purpose-built calculators to assess your equity position, stress-test acquisition cashflows, and size a purchase before engaging a lender — free and embedded on this page.
Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au
Perth: 204/96 Mill Point Road, South Perth WA 6151
Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015
Pendium Finance Pty Ltd (ACN 662 388 838) — Credit Representative 543457, authorised under LMG Broker Services Pty Ltd (Australian Credit Licence 517192).