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 a real estate agency's property management portfolio — the recurring management fees paid by landlords — rather than against residential or commercial property. Because that fee income is contracted and relatively predictable, Australian lenders treat the rent roll as a bankable business asset, so principals can fund acquisitions, bolt-ons, equity release, refinancing, and working capital without pledging the family home as primary security. In current market practice, portfolios are typically valued at 2.5x to 4.5x annual recurring management income, with loan-to-value ratios of about 60% to 70% of that assessed value and facilities commonly ranging from $500,000 to $30 million or more. Terms, pricing, and retention-clause mechanics vary by lender, portfolio quality, and borrower circumstances; every facility is credit assessed. Pendium Finance specialises in packaging these deals for bank and non-bank credit teams across New South Wales and Western Australia.
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.
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, 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.
Recent work includes a $5.7 million 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.
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).