Restructure & Refinance
Optimised.
Refinancing isn’t just about a lower rate, it’s a chance to fix messy lending, unlock equity, and set up a structure that actually scales. We review your portfolio end-to-end, then redesign loans to protect cash flow today and make the next purchase easier tomorrow.
What we fix (and why it matters)
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Reduce repayments & fees: Reprice or refinance to cut interest costs and loyalty tax.
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Uncross your loans: Move to stand-alone securities so you can sell or refinance one property without dragging the others.
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Smarter splits & offsets: Quarantine purposes, add offsets, and preserve deductibility (seek tax advice).
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IO vs P&I, fixed vs variable: Rebalance terms for cash flow now and principal reduction where it counts.
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Unlock usable equity: Fund renos, buffers, or your next deposit with clean equity release.
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Policy alignment: Shift lenders if policy blocks growth (self-employed, trusts/SMSF, complex income).
How it works
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Portfolio health check – rates, terms, LVRs, cash flow, buffers.
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Structure redesign – splits, offsets, securities, IO/P&I mix.
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Lender game plan – shortlist by policy, price and turnaround.
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Execution – valuations, applications, settlement with minimal disruption.
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Post-settlement tune-up – confirm savings, set buffers, map next steps.
Signs it’s time to review
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Your rate has crept up or discounts have lapsed.
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IO is expiring soon and repayments will jump.
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Loans are cross-collateralised or hard to manage.
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You need equity for a purchase, reno or safety buffer.
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Your current lender’s policy no longer fits your income or structure.
Why investors choose us
We’re investor-led and structure-obsessed. Expect straight talk, sharp negotiations, and a clean outcome that frees cash flow and unlocks options—without unnecessary churn.
Ready to optimise your lending?
Get a no-obligation portfolio review and a clear, step-by-step refinance plan. Request your Restructure & Refinance plan or book a quick call with Jack today.