We can assist with all your home loan needs. Whether you are buying your first home, upsizing to a bigger home, downsizing, or relocating, we can guide you. We can advise on how you can save on interest rates, lenders mortgage insurance, and any other relevant matters.

There may also be lender policy considerations due to type of income, buying new home before old home is sold, type of property, your credit history, and many other policy issues. There may be other relevant factors like protecting the property from future non-bank creditors, or development plans for the property.

We understand that home buyers may not have bought property or applied for a home loan recently, and that rules and processes may have changed in ways that create issues for inexperienced buyers. Accordingly, we try to assist with all your home loan needs as well as making proactive recommendations about the interconnected steps that need to be considered regarding the property, law, or any other relevant issue that comes up.

There are many forms of property investment including residential, commercial, construction, and off-plan. Each investment needs to consider the cash flow, tax implications, and other personal circumstances. We can advise on how you can save on interest, structure the finance, issues to discuss with your accountant, and any other relevant matters.

Any investment comes with return and risk implications. The return may be maximised with the right tax considerations, debt structure, and ownership entity. Risk can be in the form of cash flow and security. The right finance structure can mitigate those risks to protect you from both expected and unexpected events. Growing a property portfolio requires consideration of various elements such as borrowing capacity and how to deploy it to maximise wealth in the long term. The right advice will not only save you interest but accelerate your property portfolio growth by many years.

Finance can be used to access the equity you have in your property to achieve lifestyle hopes or invest. Lifestyle items may include a new car, family holiday, or kitchen renovation to name a few. Investments can include shares, investment property deposit, or small business. Regardless of your plans, getting the appropriate finance structure is critical because getting it wrong may expose your equity to claims. Asset protection considerations may be relevant to mitigate equity loss risks.

Some plans only require a small amount of equity with very limited cash flow risk like a new car. Some plans carry very significant risk like if the bank requires your home as security for a large business loan. If the business plans don’t work out as planned, your home becomes the primary security for the bank to recover its funds. Some risk is avoidable but correct advice ensures that risks are well considered and appropriate finance structure is deployed to protect equity. The right advice will ensure you make an informed decision about not only getting into the loan but also an exit strategy that protects against unforeseen circumstances.

From time to time it may be appropriate to review your finance structure. It may be due to change of rates or policy by existing lenders, it may be due to poor former advice, or simply a change of plans. Not all lenders have the same debt consolidation policies and choosing the appropriate lender will be necessary to optimise a new debt structure. A refinance of accumulated debts may save you thousands in interest as rates that were cheap a few years ago may no longer be competitive. Just like a medical health check, finances should also be reviewed every few years to evaluate if significant savings are available and what options are available to re-optimise your finances.

Life is full of unexpected events. Some are significant enough to require major finance restructuring to avoid asset sales. These events include divorce, or business misfortune. The right finance solution can help you get through these tough times. If the urgent sale of assets can be avoided, time is extended for a more favourable sale price, or other solutions to present themselves to avoid the sale entirely. A forced sale will often lead to loss of equity, sale costs, and relocation that could be avoided with the right finance solution.

While helping to arrange finance is our primary service, we can also assist when finance is the problem. We provide a very uncommon service of representing clients who may find themselves in serious dispute with the lender. There are laws and rules of conduct that lenders must comply with. A lender may try to pressure you into decisions against your rights and interests. The lender’s staff are not always right or know the law. We can review a dispute and provide advice about how to deal with your current lender or change lenders in a managed fashion.

We have great experience in dealing with lenders in the context of failed business loans and guarantor exposure to liability. One of our success stories was even discussed as a case study in the 2018 Banking Royal Commission. If your change of circumstances has made a loan unaffordable, there are rules the lender must comply with in dealing with you both before loan approval and after. The lender will typically deal with the dispute more reasonably when they realise an experienced professional is involved to assist the client.

Borrowing from family, friends, or associates requires a delicate balance between commercial sensibility and personal relationships. We can advise on how to structure the transaction and even prepare the relevant documents. The private agreement must be appropriate for the expected cash flow of the project or borrower. A badly written agreement can easily result in personal conflict that can damage the project and the relationship.

The private loan may be a short term solution until a longer term solution can be found with a commercial lender. We will also assist when the private agreement needs to be refinanced because the funding needs outlived the term of the relationship loan. Nothing is sure to sour a relationship faster than if the private lender needs their funds back but can’t get them back when promised.