Portfolio Optimisation for Maximum Returns
Most multi-property investors have at least one underperforming asset — and almost all have a finance structure that's costing them tens of thousands in lost serviceability. Our portfolio optimisation service is a comprehensive health check that identifies exactly what's holding your portfolio back.
Your Portfolio Has More to Give. We Find What.
If you own more than one investment property, your portfolio is almost certainly leaking money — through suboptimal loan structures, underperforming assets, missed depreciation claims, poorly-priced tenancies, outdated insurances, or any combination of the above. Most investors don't notice because each leak is small. Compounded across 10 years, they add up to six-figure sums.
Maple's portfolio optimisation service is a forensic review of every dollar coming in and going out of your portfolio. We benchmark your holdings against market, identify the assets that should be sold, kept, leveraged or renovated, and restructure the finance to free up serviceability for your next acquisition.
It's the service we recommend to every investor with 2+ properties before they think about buying their next one. Fixing what's already there usually adds more value than another acquisition.
4 Reasons to Optimise Now
Optimisation is the highest-return work in property investing — because the changes apply to assets you already own.
Spot the Underperformers
Identify the properties dragging your portfolio down, and decide whether to sell, hold or transform them.
Unlock Serviceability
Refinance and restructure to free up borrowing capacity — often $300K–$1M of additional buying power.
Boost Cash Flow
Re-tender insurance, property management, rates and rents to extract 5–15% of additional annual cash flow.
Tax Efficiency Review
Review depreciation schedules, ownership structures and debt allocation to optimise after-tax returns.
Our Optimisation Process
Four to six weeks of focused work that often delivers six-figure value over the life of the portfolio.
Portfolio Discovery
Collect every loan, insurance, rates, rental statement and depreciation schedule — and load them into Maple's portfolio model.
Asset-by-Asset Benchmark
Benchmark each property's rent, growth trajectory, yield and outgoings against current market and against the broader portfolio.
Finance Restructure
Identify where loans should be split, refinanced or repositioned to maximise tax deductibility and serviceability.
Action Plan
Deliver a written plan with clear keep/sell/renovate decisions, finance changes, and a 12-month implementation roadmap.
Implementation Support
Project-manage the actual execution — refinancing, property management transitions, insurance retendering and asset sales.
Frequently Asked Questions
We recommend a full optimisation review every 3–4 years, with lighter annual reviews in between. Markets shift, lending rules change and your personal goals evolve — what was optimal three years ago is rarely optimal today.
A full review typically takes 4–6 weeks from initial discovery through to delivered action plan. Implementation (refinancing, restructuring, retendering) usually runs over the following 3–6 months.
Sometimes — but not always. Most optimisations recommend keeping the majority of the portfolio and improving its performance. We only recommend selling when an asset is clearly underperforming and unlikely to recover, or when the capital can be redeployed for materially better returns.
Refinancing addresses the loan structure in isolation. Optimisation addresses the entire portfolio — finance, assets, tax structure, insurance, property management and forward strategy — as one integrated system. Refinancing is one of many possible outcomes.
Yes — optimisation is a fee-for-service engagement scoped to portfolio size and complexity. We outline the fee in our initial consultation and confirm the engagement scope before any work begins. For most multi-property investors, the demonstrated value significantly exceeds the fee.
You can — but most investors don't have the comparison data, lending insight or detached perspective to do it well. Optimisation works best when an experienced, independent third party looks at your portfolio the way you can't.
Related Investment Approaches
Equity Release Strategy
A common output of optimisation — extracting trapped equity for the next move.
Learn MoreProperty Duplication
Optimisation is usually the prerequisite to duplicating efficiently.
Learn MoreNegative Gearing
Optimisation reviews include a full tax-position assessment of your portfolio.
Learn More
Time for a Portfolio Health Check?
Book a no-obligation conversation about your current portfolio. We'll quickly identify the three biggest opportunities for optimisation.