Rent Roll Finance

Quality rent rolls make profitable businesses and securing a better finance deal will make all the difference when it comes to success.

The key to a better finance package is knowing which bank or lender wants your business here and now and that’s where we can help.

We work with over 60 well respected banks and lenders everyday and we know who’s going to look at your rent roll business favourably, so you’ll get a better finance deal.

View Latest News

Get a better deal on Rent Roll Finance

The cost of finance for a rent roll business can differ greatly from one bank to another. It is not unusual to negotiate interest rate variations of up to 2-3% depending on the business case.

Your Green Team Finance Broker will provide an overview of lenders that will work for you, guide you through the purchasing process, and mitigate unnecessary delays that can impact loan approval and settlement timeframes. We can answer all your questions, including:

  • How can you reduce the impact of loan repayments on your cash flow?
  • How will the number and type of properties under management affect lender selection?
  • What is the most cost effective way to structure your loan?
  • What will the banks accept as security?

We can even assist you to obtain a valuation on your new rent roll.

How much can I borrow for my Rent Roll business?

As a general guide you can expect to borrow approximately 2.5 times the business earnings before interest and taxes, depreciation, and amortization (EBITDA).

LVR: Some banks will require a 40% loan to value ratio whilst others lend up to as much as 60% – and this changes regularly. To borrow more than 60%, you can consider securing a guarantor or offering additional assets as security.

Keep in mind some banks won’t even look at your opportunity if the value is less than $500k.

How are rent rolls valued?

A Rent Roll Multiplier (RRM) is a formula used to calculate the estimated selling price of a rent roll. This is usually a multiplier of the annual management income for each property.

Annual management income is the total income from management fees and rent collection excluding GST, for a period of twelve (12) months, for each property with a legislatively compliant PAMD20a. It traditionally excludes income from ancillary fees (ie. re-letting fees, administration fees, advertising fees).

Income = $ Rent per week ÷ 7 days x 365 days

x management fee & rent collection commission % (ex GST)

Once an overall average annual management income has been calculated and the rent roll statistics assessed a multiplier is applied. There is no such thing as a ‘one size fits all’ multiplier. The multiplier generally varies from 2 to 3 but in some cities it can be as high as 3.5 to 4. The multiplier varies across rent rolls and locations and is affected by numerous other factors including:

  • Average weekly rent
  • Average commission
  • Number of properties
  • Type and condition of properties
  • Arrears rates
  • Vacancy rates
  • Due diligence
  • Current court actions
  • Type of lessor
  • Time rent roll has operated
  • Staff and wages
  • Supply and demand
  • Geographical spread
  • Landlord : property ratio
  • Ancillary fees and charges
  • Current interest rates + economy
  • Rent guarantee arrangements
  • Compliance to legislation

We have a proven track record in the property management industry and work with a range of complementary professionals who can assist you with this process (i.e. rent roll brokers, tax advisors, business advisors). Simply give us a call and we will be happy to point you in the right direction.

Our Rent Roll Finance Specialists

Daniel Green


Australia's leading hospitality, accommodation and childcare finance specialist and winner of Australian Broker of the Year 2022.

Derek Parsons

Finance Consultant

An award-winning small business and franchise finance specialist who's on your side when it comes to finding a better finance deal.

LATEST Rent Roll Finance ARTICLE

"Top 3 Tips for Buying a Rent Roll"

Our Service

What do our clients think?