Rent Roll Finance
Supercharge your Rent Roll strategy with Evoke
In the competitive world of real estate, growing your business often means expanding your rent roll portfolio. With Evoke Capital you can achieve the best lending solution thanks to our 50+ years of commercial banking experience and access to 100+ lenders. We offer smart and strategic solutions to acquire or refinance rent rolls, helping you build a steady revenue stream without disrupting your cash flow.
Why Partner with Evoke Capital
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Award-winning mortgage brokers servicing Australia-wide
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Combined 50+ years residential and commercial lending experience
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Deep commercial relationships with all major business banks banks
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Platnium bank status and access 100+ lenders with the best interest rates
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6-monthly interest rate reviews and annual strategy sessions.
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100% 5-Star Google Reviews
We are rated in the Top 1% of Mortgage Brokers in Australia
The Best Rates with 100+ Lenders
Considerations Before Applying for Rent Roll Finance
Asset Value
Ensure the rent roll you're financing is at fair market value. A 3rd party valuation will be required by the banks to value the asset for lending purposes. Lending Value Ratios can vary from bank to bank, with up to 100% LVR achievable for the right business.
Acquisiton Risk
Consider potential risks, such as tenant attrition, competition or market downturns, and plan accordingly. Understand whether you are buying the asset only via a new entity, or taking on the ongoing operations as a going concern? New contracts may be required and could add risk. Also ensure you have non-competes and appropriate hand overs. Always seek legal advice.
Business Goals
Any new venture should complete your current business, with the finance you seek to align. We find a thorough cash flow forecast completed with your accountant will aid in setting clear goals, and provide the bank confidence that you can deliver on your plans.
Commercial Finance
Review interest rates, fees, and repayment terms for a full cost picture. Structuring this purchase with an experienced mortgage broker will ensure that you optimise your funding to suit your needs now and into the future.
How the Rent Roll Finance Process works
01. Discovery
We take the time to understand your business, goals and immediate objectives to give you confidence to negotiate the best deal with the vendor.
02. Tender
We seek to obtain all information required by the end bank, and run a tender process. We create a detailed discussion paper which enables banks to review and pitch for your business, with those terms negotiated on your behalf, with the best lender presented to you.
03. Approval Process
Once we select the bank that fits our brief, we proceed with formal approval. Keeping you up to date every step of the way.
04. Documents & Settlement
We work with your new relationship managemnet team as the conduit to ensure that your conditions are met and that settlement is achieved.
05. Review
As part of our ongoing commitment to you, we review your faciltiies atleast every 6 months and prompt you to sit down for annual strategy sessions to help grow your business.
How we can grow your business with Rent Roll Finance
With the right rent roll lending strategy we can unlock:
Revenue Growth: Acquire established rent rolls to expand your income stream.
Business Scalability: Scale your property management operations without immediate liquidity strain.
Asset Value: Build equity through a tangible business asset with recurring revenue.
Market Presence: Strengthen your reputation and presence in the real estate industry.
Why we're the Best Mortgage Brokers for Rent Roll Lending
The success of your rent roll portfolio will always come back to your lending strategy and solution in both the application and in the long-term. We set you up for success by working closely with you to work through the various scenario's available to you and prepare an application to the right lenders to achieve the best outcome. We believe in building long term partnerships and to ensure your rent roll's long term success we conduct proactive 6 monthly rate reviews and annual strategy sessions.
Don't take our word from it. See what one of our rent roll finance clients has to say.
Our Rent Roll Finance Specialists
You have everything to gain by giving our finance broker team a quick call. We have a wealth of experience and information and are here to help you on your wealth journey. Our discovery calls are free with no obligation.
Gavin Cacic
Credit & Operations
Gavin has spent 17 years with the Commonwealth Bank with over a decade spent managing commercial portolios across Perth and Sydney
Matt Spears 
Managing Director
Matt is an award-winning banker, broker and property investor who has worked in residential and commercial finance for over 15 years.
Contact Us
Rent Roll Finance FAQ
What is Rent Roll Finance?
Rent roll finance is a specialised commercial finance designed for property managers and real estate agents in Australia. It enables professionals to leverage the recurring income from management fees to secure funding for:
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Rent Roll Purchases – Expanding portfolios through acquisitions
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Business Growth – Investing in new technology, staff, or marketing
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Debt Refinancing – Restructuring existing financial obligations
Unlike traditional business loans, rent roll finance is secured against the value of the rent roll itself, meaning lenders assess its profitability rather than requiring physical assets.
What is the LVR for Rent Roll Loans?
Australian lenders typically offer 50% to 75% LVR, meaning you can finance a substantial portion of the rent roll's valuation without requiring additional security. Evoke Capital has had success in funding 100% of the acquisiton cost for the right client.