Complex Lending & Investors
When your lending needs aren’t straightforward, we thrive.
From multiple properties to self-employed income, complex lending requires strategy, structure, and experience. With a background in private banking and complex loan structuring, we’ll design solutions tailored to your goals.
How we can help
1
Structure loans across
multiple properties or entities.
2
Navigate self-employed or
non-traditional income streams.
3
Build investment-focused
lending strategies.
4
Anticipate lender requirements
and streamline approvals.
Who it’s for
Property investors growing a portfolio.
Self-employed clients with complex income streams.
Professionals needing tailored lending strategies.
What our clients say
Google Reviews
Jacob from Black Lab Finance was great to deal with. He went above and beyond to get us what we needed, exactly when we needed it. Really professional, easy to communicate with, and made the whole process smooth and stress-free. Highly recommend!
Every time we hit a hurdle or need advice, Jake is more than happy to lend his knowledge or assist. Most recently we were advised incorrect information from a lender regarding a refund for our LMI, unfortunately it left us with a tight timeframe to refinance - we felt deflated and let down by our or... iginal bank. Regardless,Jake somehow managed to get us refinanced on the day it was due in order for us to get our partial refund!
Let’s not stop there, he also, in this same time frame, arranged another re-valuation with our new bank and was able to get us additional funds on our loan. Ultimately, we now have a more competitive interest rate (meaning repayments are similar to what we were originally paying), the same year terms as our previous lender, a substantial LMI refund coming and additional funds for further improvements. Jake, you’re a legend!Read more
Let’s not stop there, he also, in this same time frame, arranged another re-valuation with our new bank and was able to get us additional funds on our loan. Ultimately, we now have a more competitive interest rate (meaning repayments are similar to what we were originally paying), the same year terms as our previous lender, a substantial LMI refund coming and additional funds for further improvements. Jake, you’re a legend!Read more
Jacob handled our land and construction finance. Very professional. Actually does what he says he is going to do and gets things done quickly and is easy to get on the phone. Would highly recommend
Jacob's service and dedication is outstanding. He found us the right loan for our house and was always on hand to answer our questions. He goes above and beyond for you.
110% Recommend Black Lab Finance for a hassle free process.
110% Recommend Black Lab Finance for a hassle free process.
Response from the owner 22:34 28 Sep 25
Thanks so much. It was an absolute pleasure helping you both. Enjoy the new home! 
Jacob from Black lab finance recently secured us out first home and we couldn't have been happier with his services. We had a challenging situation arise and he handled it very professionally and put us at ease. 100% recommend his services and he deserves nothing but 5 star reviews
Highly recommend. Jacob was quick to respond, knowledgeable, and supportive. I couldn't have been more pleased- 10 stars from me.
Jake brought calm reassurance to what can be a stressful process in purchasing an investment property and refinancing an existing loan. He knows the market and his products, and we always felt that he was working to get the best deal for us. Timely contact and a clear process made everything seamles... s. He has good contacts and a great reputation locally (both my solicitor and the selling agent were relieved when I mentioned that he was sorting our finance) and he got the deal done within 24 hours from the submission of our application. All of this was manged online, with us 400kms away. Would recommend for any financial services in Wide Bay and more broadly in Queensland.Read more
Jacob is a legend. Highly recommend. Nothing too complicated for him.
As first home buyers, arranging our finances through Jacob at Black Lab Finance was a fantastic experience.
Jacob helped us navigate the daunting process in a simple and stress free way. He had everything under control from pre-approval to settlement. Jacob was always easy to contact and very ... clear and helpful in his communications.
We are very grateful to have had Jacob’s help and would highly recommend his services to anyone looking for a friendly, hardworking and professional mortgage broker!Read more
Jacob helped us navigate the daunting process in a simple and stress free way. He had everything under control from pre-approval to settlement. Jacob was always easy to contact and very ... clear and helpful in his communications.
We are very grateful to have had Jacob’s help and would highly recommend his services to anyone looking for a friendly, hardworking and professional mortgage broker!Read more
Jacob provided prompt, thorough and clear guidance as we navigated the simultaneous purchase/sale of our properties. We have no issues recommending his services for small or complex transactions.
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