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MyBrix for Rental Property

Turn your Rental into a Positively Geared/Cash Flow Positive, property today.

Sell Fractional Rights (Brix) to Other Investors

The New Way To Finance Investment Property

  • Positively geared and cash flow positive
  • No Interest
  • No repayment obligations
  • Retain a percentage of the rental returns
  • No Credit or Serviceability Checks
  • Keep all your current Tax deductions*
  • Ditch the bank, sell your debt to other investors
  • No Change in Ownership
  • De-risk your investment
Get Started With A Property Assesment

No Interest, No Worries

Positively Geared Property

MyBrix is a game-changer for owners of Investment Properties, No mortgage means No bank loan, which means No interest (which these days could be more than the rent you receive). A continued stream of rental returns (albeit reduced as you share this proportionally with other investors) means you achieve a positively geared property via interest free capital obtained through MyBrix.

Use the funds you save to acquire more Brix in your own investment property or invest in other properties in high growth areas.

MyBrix provides the path to build wealth without all the traditional issues and hassles of managing an Investment Property.

It Should Be Your Choice

It Should Be Your Choice

You should be able to decide how much per month you need to put towards your Rental Property, not some formula imposed by the Bank.

Whilst with MyBrix you don’t need to make any repayments, you may decide to increase your equity, based on free cash flow.

You can optionally participate in a structured off-market Indexed Brix Buyback scheme by committing to acquire a minimum amount of Brix each month for a year, with the value of Brix indexed at a fixed rate each year. 

You can Opt in or out annually, as well as buy back higher amounts in any given month, when circumstances permit.  

You decide what works best for you.

Get Started With A Property Assesment

Who Can Use MyBrix (Silver Brix)?

Anyone with 30% Equity

  • Pay Off Your Bank Mortgage
  • No lengthy and invasive refinance investigations
  • Fund Renovations
  • Fund an Investment PropertyUse the Funds to Leverage Other Investment Properties
  • Ditch the hassles of Property Management
  • Rental Income proportional to the number of Brix you Own
  • Turn loss making investments into positive geared properties
  • Claim deductions and depreciation as you always have *
Dont Have 35% Equity - You Need Gold Brix Click Here For Details

What Options Do I Have?

MyBrix Brings the Options to You

To help you understand how you can benefit from MyBrix, we have created a calculator to help you work out how many Brix you need to sell in your property to fund your refinance. You can finance any amount up to 65% of the Market Value (as calculated by an Independent Valuer) with Standard Brix (Owner Occupier Brix). 

You can also optionally participate in Buybacks or utilise Gold Brix, the options are for you to select. Gold Brix can be used anytime, but must be used for all funding above 65%, up to a maximum of 90% of Market Valuation. Gold Brix are subject to Credit Checks.

Sounds Too Good To Be True

So What's The Catch?

It’s true, you don’t get anything for nothing. Whilst MyBrix is a great new way to fund property, there are a number of things you need to consider before you rush in:

  1. Not every application will get funded. The attractiveness of your property to investors determines if they want to fund it or not. We have created an “Attractiveness Score” to help investors make their decisions.
  2. You need to discount the Brix you sell to the initial investors to provide them an opportunity to make money from the growth of the property price, as they are not charging you any interest.
  3. The maximum funding term for MyBrix is 10 Years, after which you can sell or refinance (potentially on MyBrix for another 10 year term)

Full details are provided to all applicants in our Product Disclosure Statement (PDS).

Refer to Property Owner FAQ to understand more about MyBrix for Property Owners.

Get Started With A Property Assesment

How does funding work under MyBrix?

The process is well defined

To help you understand how you can how you apply for MyBrix funding and how investors buy Brix in your property, we have created a process flow for you to see how it works end to end

How much interest can you save?

Use our calculator below to see the difference between MyBrix and Traditional Finance over a 10 Year period.

The majority (over 90%) of MyBrix Fees are paid in Brix, not cash, allowing you to utilise the equity in your home to pay the MyBrix fees and charges, without a huge drain on your cash reserves.

If your property is funded on MyBrix, your current mortgage payments can be redirected to improve your lifestyle or you could utilise a portion to undertake one of our structured Brix buyback programmes, its up to you.

Our Frequently Asked Questions

MyBrix is an innovative solution for property finance that breaks free from outdated traditions, therefore those new to MyBrix typically have questions. In this Blog we provide answers to the Frequently Asked Questions (FAQ) for MyBrix Property Owners.

More FAQ's

What is a Brix?

A property is divided into 10,000 Brix, and each Brix represents a piece of the future sale proceeds and rental proceeds of the property. If your home has a market valuation of $1,000,000, then each Brix would be worth $100. Over time as the market value of the property increases so does the market value of Brix.

What is the maximum term of a MyBrix Facility?

The Maximum term you can have a MyBrix facility is 10 years from settlement.

Are there really No Interest and No Repayments?

Yes, once your property is fully funded there is no interest charged and no repayments required, regardless of the amount funded, as long as you are over the minimum equity limits of 35% for Owner Occupied Properties and 30% for Rental Properties. We do, however, encourage you to re-acquire Brix from Investors to create more Brix equity in your property throughout the term of your MyBrix facility.

What is the maximum amount I can Fund?

The Maximum you can fund is 65% for Owner Occupied Properties and 70% for Rental Properties using Standard or Silver Brix. In addition, you can fund up to 90% by filling the gap with Gold Brix. Gold Brix are subject to different terms and conditions and have mandatory monthly buybacks over 5 years. 

Refer to our calculators for more information.

Do I have to pay off my existing Mortgage?

Yes, MyBrix will pay out your existing bank mortgage with your bank as part of the conveyancing process once your property has been fully funded.

MyBrix does not provide any financial or other advice, you must obtain your own independent financial, legal and tax advice regarding the appropriateness of using any MyBrix Services, having regard to your personal objectives, financial situation and needs.

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