Focusing only on headline rates ignores structure, term, and flexibility
Poor sequencing can reduce future borrowing capacity
Refinancing without a plan often creates tax, cashflow, or portfolio issues later
This advisory approach is typically relevant for:
Property investors with one or more properties
Owner-occupiers planning future purchases or upgrades
Clients with existing equity but unclear strategy
Borrowers reassessing loan structures after rate changes
Loan structure (IO vs P&I, split loans)
Offset vs redraw optimisation
Equity access and future use
Portfolio sequencing for investors
Risk exposure and serviceability pressure
Cashflow impact over time
Tax and deductibility considerations
Lender policy behaviour (now vs later)
Exit flexibility and refinance risk
Alignment with longer-term objectives
Strategy before execution
We start with structure and timing — not applications.
No rate-only recommendations
Rates matter, but they’re one input — not the decision.
Forward-looking advice
We consider how today’s refinance affects tomorrow’s options.
Execution through approved lenders
Where appropriate, we coordinate funding after strategy is clear.
Reviewing loans written years ago under outdated structures
Releasing equity for investment or business use
Restructuring loans after rate increases
Planning refinance ahead of a future purchase
Simplifying or re-sequencing multi-property portfolios
