The equity-using owner-occupier.
You own your home. You have real equity sitting there earning nothing. You want your first investment property locked in inside 90 days. The call gives you the exact equity figure plus the structure to release it.
Free Strategy Call · 15 Minutes
Find out what you can actually borrow, in 15 minutes.
A 15-minute call with Komay Semoa. You walk away with a real borrowing capacity number against 60+ lenders, the right loan structure for your next property, and your next step in writing. No sales pitch. No commitment to lodge.
15 minutes60+ lender panelWritten follow-up
A recent call
"$214k of equity unlocked. Pre-approval at $680k. Lodged the same week."
CallerSam & Lina, Earlwood NSW
What they came withPPOR worth $1.05M with a $580k loan. Looking at their first investment property.
What they left with Pre-approval at $680k , structured against their current PPOR, lodged the same week. Inspecting their first IP the following Saturday.
01
This call is built for three kinds of buyer.
Match yourself · book the callThe self-employed buyer.
Your accountant minimises your tax. The bank reads that as low income and declines you. You need a broker who knows which lenders look past your BAS at your real income. Komay writes self-employed deals every week.
The refi-and-reuse investor.
You already own IPs. Your rate hasn't moved in 18 months. You're sitting on equity you haven't tapped. Refinance to release the equity, restructure to keep growing the portfolio without crossing your lenders up.
02
What you walk away with.
15 minutes · written follow-up · zero pressure01
A real borrowing capacity number.Calculated against the 60+ lenders Komay can write through, not the generic bank calculator answer that gets people declined 3 weeks in.
02
The right loan structure for your next property.Cross-collateralised or standalone. Komay tells you which one builds wealth and which one quietly traps you with the lender.
03
Your next step, in writing.Sent to your inbox after the call. So you can take it to your partner, your accountant, or to the inspection on Saturday.
Komay writes investment property deals every week. Adelaide based, lodging Australia-wide, through a panel of 60+ lenders.
He specialises in three deals: first investment property for owner-occupiers, self-employed buyers the major banks decline, and refinance-and-reuse plays for existing investors.
The 15 minutes is a real strategy call, not a sales pitch. If lodging today isn't the right move, he'll say so. If it is, you'll have the next step in writing before you hang up.
Pick a time
The calendar is live.
15 minutes. Free. No obligation to lodge. Four quick questions so Komay can prep for your call, then pick a time.
Four quick questions, then pick a time