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Every client’s financial position is different. Here are some of the ways we’ve helped our clients navigate complex lending scenarios and achieve their property goals.

 

Purchasing Again Without Having to Sell

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The Scenario
A self-employed couple owned their home outright but had limited cash savings. They wanted to purchase an investment property but believed they would need to sell their existing home first to fund the purchase.

The Challenge
Although they didn't have the cash available for a deposit, they had significant untapped equity in their existing property, along with sufficient self-employed income to support additional lending.

The Solution
Rather than selling, we structured the finance to allow the clients to access equity from their existing home to fund the deposit and associated purchase costs.

We then maximised the lending secured against the new investment property, helping the clients preserve their available cash and structure their borrowings with potential tax deductibility in mind.

The Outcome
The clients were able to retain their existing property, unlock its equity and purchase an additional investment property — turning an asset they already owned into an opportunity to continue building their property portfolio.

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Commercial Refinance Without Personal Guarantees

The scenario
An existing client had purchased an interest in a shopping centre, with the facility initially funded by a private lender. They wanted to refinance to a major lender but did not want the owners or directors to provide personal guarantees.

The solution
We successfully refinanced the facility with a major lender without requiring personal guarantees from any of the owners or directors, while also securing a competitive interest rate.

The outcome
Our client moved from private lending to competitively priced major-bank finance while achieving the commercial structure they were looking for.

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Land & Construction Finance Through a New SPV

The Scenario
Our client wanted to purchase land and fund the subsequent construction through a newly established Special Purpose Vehicle (SPV) company, rather than purchasing and borrowing in their personal name.

The Challenge
As the SPV was newly established, it had no trading or income history of its own. We needed to find a lender that was comfortable lending directly to the new entity while relying on the client’s financial position to demonstrate servicing capacity.

The Solution
We structured the transaction so the land purchase and construction loan were both held within the new SPV entity, with the client acting as a servicing guarantor.

We successfully secured the facility with a Big Four bank at competitive rates, allowing the client to maintain their preferred ownership structure without compromising on the quality or pricing of the finance.

The Outcome
Land and construction funding within a newly established SPV, backed by the client’s servicing strength and financed at competitive rates with a Big Four bank.

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