Plan Your Next Investment Property Move With Clarity
We help property investors understand their position, structure lending properly, and make confident decisions that support long-term portfolio growth.
Clear lending strategies
Direct access to Harsh
Complex scenarios welcome
Investor-focused advice
Find Your Property Strategy in Just 60 Seconds
Answer a few quick questions to get your personalised strategy.
Built for Investors, Not One-Off Loans
We’re not the right broker for everyone. We’re a good fit if you are
Planning your first investment property.
Buying your second or next property.
Holding equity and unsure how to use it.
Previously declined due to credit, income, or structure.
Looking for clear answers, not pressure.
If you are only looking for quick quotes, this may not be the right fit.
About Harsh And The Fort Story
Fort Financial was created after years inside the banking system, watching investors get approved for loans that looked fine today but quietly blocked their future plans.
Sometimes the right advice is to wait, restructure, or not buy at all.
The focus is on doing what is right for the client, even if that means delaying a purchase or saying no when the timing is not right.
Direct contact with Harsh.
Clear explanations without jargon.
Ongoing strategy, not one-off transactions.
Our Services
Investor lending
First investment property
Portfolio scaling
Equity release strategy
Complex lending & refinances
Refinancing for better structure
Debt consolidation (credit cards/personal loans)
Previously declined scenarios (credit history, maternity leave, life events)
Our Process
What happens when you work with Fort Financial
Clarify Your Options
We start with a quick call to understand your situation and explain everything in simple terms.
Compare & Secure
We assess your options across 60 lenders, handle the application, and guide you through approval to settlement.
Support Beyond Settlement
We stay in touch with regular check-ins to review your loan and plan next steps.
Why Work With Fort Financial
Direct access to Harsh
No call centres. No handovers.
Bank-side experience
Six years inside banks means knowing how credit decisions are made.
Comfortable with Complexity
Many clients come to us after being told no elsewhere.
Long-term focus
We consider how today’s decision affects your future borrowing power.
How the Strategy Call Works
We review your income, debts, goals, and constraints.
Understand your position
We review your income, debts, goals, and constraints.
Explain your options clearly
We break down what works now and what needs time.
Outline the strategy
We explain the best lending approach based on your situation.
Decide next steps
If it makes sense to proceed, we walk you through the process. If not, we tell you why.
What makes
us different?
Your own personal,
non-bank affiliated
loan expert.
Free for you.
We work in your
best interests
(we’re not
owned by a bank).
Fast turnaround
times.
Access to over 60+
banks and lenders
inone place.
Ongoing support
and guidance once
your loan has settled.
Your own personal, non-bank affiliated loan
expert.
Free for you.
We work in your best interests (we’re not owned
by a bank).
Fast turnaround times.
Access to over 60+ banks and lenders in
one place.
Ongoing support and guidance once your loan
has settled.
Fort Financial
Banks & lenders
Case Studies
Case Study 1
From declined to approved in two weeks
Situation
The client had a bad credit history and multiple high-interest unsecured debts. Previously declined by other brokers.
What we did
Reviewed credit file and repayment history.
Restructured existing debts.
Refinanced with a major bank.
Consolidated unsecured debt into the home loan.
Outcome
Lending approval secured.
Improved cash flow.
Refinanced with a major bank.
Turnaround time of approximately two weeks.
Case Study 2
Investment purchase during maternity leave
Situation
Client believed investing was not possible while on maternity leave. Income structure was a concern.
What we did
Selected the right lender based on policy.
Structured the application correctly.
Provided guidance during property selection.
Managed documentation timing carefully.
Outcome
Investment purchase approved.
Clear understanding of next borrowing steps.
Total timeline of approximately three to four months.
Frequently Asked Questions
Can you help if I have declined before?
Yes. Many clients come to us after being told no. We review whether the issue was related to structure, lender policy, or timing. In some cases, a small change or short wait can make approval possible.
How much can I borrow?
It depends on several factors, including your current income and the amount you have saved. To get an estimated result you can use our borrowing power calculator or give us a call.
How much deposit do I need to purchase a property?
Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan but there are a number of ways around this. Some lenders will accept a smaller deposit but it’s likely that you’ll need to pay Lenders Mortgage Insurance (LMI). There might also be grants that you can take advantage of. Get in touch to chat about your options.
Can you help me understand my borrowing capacity?
Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.
What is a good interest rate?
Each interest rate depends on loan type, repayment plan and several other factors. This means a good interest rate for you may not be a good interest rate for someone else. Speak with a broker to find out which loan type, repayment plan and lender will give you a competitive interest rate for your needs.
What fees should I be aware of when purchasing
a property?
There are several fees that often aren’t discussed in length when buying a property. These include stamp duty, application fees, pest and building inspections and more. Get in touch with a broker today for an up-front conversation about all the hidden fees.
Can you help if I have declined before?
Yes. Many clients come to us after being told no. We review whether the issue was related to structure, lender policy, or timing. In some cases, a small change or short wait can make approval possible.
How much can I borrow?
It depends on several factors, including your current income and the amount you have saved. To get an estimated result you can use our borrowing power calculator or give us a call.
How much deposit do I need to purchase a property?
Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan but there are a number of ways around this. Some lenders will accept a smaller deposit but it’s likely that you’ll need to pay Lenders Mortgage Insurance (LMI). There might also be grants that you can take advantage of. Get in touch to chat about your options.
Can you help me understand my borrowing capacity?
Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.
What is a good interest rate?
Each interest rate depends on loan type, repayment plan and several other factors. This means a good interest rate for you may not be a good interest rate for someone else. Speak with a broker to find out which loan type, repayment plan and lender will give you a competitive interest rate for your needs.
What fees should I be aware of when purchasing a property?
There are several fees that often aren’t discussed in length when buying a property. These include stamp duty, application fees, pest and building inspections and more. Get in touch with a broker today for an up-front conversation about all the hidden fees.
Get Clarity on Your Next Property Move Today
Talk directly with Harsh, get clear lending advice, and plan your long-term property strategy.
© 2026 Fort Financial PTY LTD ACN 680 182 192 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
1&*There may be occasions where you may be charged a fee by your broker.
2Your broker is able to assess each lender's approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.
3Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.
4The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.