The Annual Trunk Audit™
Most brokers settle for the transaction. We architect for the legacy. A structural review designed to ensure your portfolio never hits a ceiling.
1. Rate & Policy Calibration
Lender appetites shift every 6 months. We review your current interest rates against the **2026 market benchmarks** and assess if new policy changes (like increased LVRs for SMSF or Trust lending) allow for a better deal.
2. Equity Harvest Analysis
Has your portfolio grown? We calculate your "Dead Equity" and identify opportunities for an Equity Release. This ensures you have a deposit ready for your next acquisition before the market moves.
3. Structural Stress Test
We review your loan splits, offset balances, and interest-only expiry dates. Our goal is to prevent "Interest Rate Shocks" by planning your cash flow 12–24 months in advance.
Why the "Trunk" Matters
In property finance, your Financial Trunk is your core borrowing capacity. If the trunk is weak or cross-collateralized, the branches (your properties) cannot grow. Our Annual Audit is the pruning and feeding process that allows a 2-property portfolio to scale into a 10-property legacy.
What Happens During Your Audit?
Month 11: Our system triggers a portfolio data request.
Review: We analyze your current LVR, DTI, and net equity position.
The Strategy Session: A 30-minute deep dive to discuss your goals for the following year.
Execution: We handle the negotiations with your current lender or facilitate a strategic refinance.
Steven Rider is the founder of Tenfold and a rare multi-disciplinary expert who holds both CA and CPA designations alongside a full mortgage broking licence. With over 25 years advising Australian property investors, he brings together tax strategy, portfolio structuring, and specialist finance in a single integrated service — the kind of holistic advice that most accountants and brokers simply cannot offer alone.