Case Studies
Client 1: Expanding Property Portfolio
An investor with multiple properties had maxed out their borrowing capacity. I refinanced their existing loans at better rates, freeing up cash flow, and restructured their portfolio to unlock equity for further investments. As a result, they secured financing for additional properties and optimised their portfolio for long-term growth.
Client 2: Portfolio Restructuring
A client with a complex investment portfolio needed to improve cash flow and reduce debt. I restructured their loans by consolidating high-interest mortgages into more favourable products and unlocking equity from their existing properties. This allowed them to reduce monthly repayments and reinvest in new opportunities, growing their portfolio strategically.
Client 3: SMSF Property Investment
A client wanted to invest through their Self-Managed Super Fund (SMSF) but didn’t know how to navigate the complexities of SMSF lending. I guided them through the process, securing financing for a commercial property within their SMSF, ensuring a stable income stream for retirement.
Client 4: First Home Buyer Secures a Home and Land Package in a Prime Developing Suburb in NW Sydney
A first-time buyer aimed to secure a home and land package in a fast-growing suburb with a budget under $900,000, using the Home Grant Scheme with only a 5% deposit. They faced the challenges of rising prices, financing both land and construction, and needing manageable repayments post-build.
The Solution
I crafted a tailored strategy to overcome these hurdles:
- Maximized Grants & Incentives: Helped the client secure the First Home Owner Grant (FHOG) and stamp duty concessions, reducing upfront costs by over $20,000.
- Pre-Approval & Loan Structuring: Secured pre-approval with lenders specializing in home and land packages. Structured separate loans for land and construction, with interest-only payments during the build phase to ease cash flow.
- Competitive Interest Rates: Negotiated favorable rates with a lender offering first home buyer incentives in new development areas.
- Construction Loan Flexibility: Built in a buffer for potential cost overruns and ensured flexible drawdown options for construction payments.
- Developer Negotiations: ecured a premium lot within the client's budget through effective negotiation, keeping the package under $900,000.
The Outcome
The client successfully purchased their home with a 5% deposit and no LMI, benefiting from low interest rates, manageable repayments, and a stress-free construction process.
Through creative refinancing, portfolio restructuring, and SMSF strategies, I helped each client overcome unique challenges and achieve their property goals with ease.