Case Studies

28 year old Jenny saved nearly $200K in 10 years while living with her parents. She knew she could get an apartment for about $670K-$680K to keep her loan to value ratio under 80%.

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She couldn't find anything she liked in her price range and wanted to keep $30K cash aside for furniture and as a rainy day fund. 

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Her bank did not participate in the Australian Government 5% deposit scheme so only issued a pre-approval for $500,000 to fit their own criteria.

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We got Jenny approved for $650K so she could look for units at around $770K ensuring she would still be able to pay upfront costs as well as set aside $30K.

Now in their late forties, Amy and John had bought their first home in 2015 and never really paid much attention to their interest rate over the years. Their home had almost doubled in value and when we looked at their rate, we were able to reduce it by 0.70%. On their remaining balance of $250K, this equated to over $1700 annual saving on interest alone!

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The house had been well lived in, and they really wanted to spoil themselves with an upgrade to the kitchen and bathroom as well fix a part of the roof that fallen into disrepair.

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We were able to release $120K for them to complete the renovations so they could modernise their forever home and settle back in for another 10 years or so.

In their mid forties, Virat and Preeti worked hard at their nearby hospital in Brisbane as Nurses. They had already acquired an owner occupied dwelling and an investment property in their own names.

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They had recently received advice to purchase an investment property in their newly created Self Managed Superannuation Fund (SMSF) and had engaged a buyer's agent to find a home in their budget in Regional Victoria.

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We put them in to a home loan with a non-bank lender for a property in Shepparton with a 5.5% rental yield for $550k. They plan to buy another property in coming months before considering diversification of their fund.

Now in their early forties with two kids, Gino and Brooke did it tough during the COVID years, losing thousands of dollars every week during lock downs. They also had a dispute with a business partner resulting in hefty legal bills. As a consequence they had started to amass a sizeable overdue tax debt.

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Australian Tax Office (ATO) debt attracts interest at 11% and the overdue balance was piling up quickly. The rules had also changed so that tax was no longer tax deductible for business.

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We helped Gino & Brooke payout the ATO as well as consolidate other personal debt into their home loan, which was made possible by the substantial equity they had built. They can now sleep easier as they contemplate selling the business and making a fresh start.

In their 50s and having run a successful fishing business for over 20 years, Peter and Sue were keen to boost the profit margins on some of their fishing gear products sold in store and online. 

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They needed $120k to seek international suppliers for product development and marketing of the new range. By branding and selling their own product, they could generate a significant boost in profit margin and help the business become more profitable.

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By leveraging their existing property, we were able to secure a highly competitive interest rate over four years that would enable the business expansion to come to life without the burden of very high interest rates.

This inter-generational family run business were looking to buy the site they leased as it had just come up for sale for just under $2m. Commercial properties are tightly held in the inner suburbs of Brisbane, so knowing they could have their own site for as long as they desired was key to their long term business strategy.

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Working closely with their accountant and financial planner, a Partnership with three equal shareholders with companies as trustees for discretionary family trusts was set up as the purchasing entity. 

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Given the financial strength and longevity of the business (35 years in operation), only the trading entity's financials needed to be considered and no personal guarantees needed to be provided.

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We put the loan on a 30 year loan term at extremely attractive rates with a big four bank.