Why Choose Us

"I want an advisor that will take the time to discover my needs, provide unbiased and personalised advice and develop an ongoing advisory relationship with me"

There are four factors that determine the overall cost of a mortgage:

Most borrowers (and brokers for that matter) tend to only focus on one (the first one).

1. Interest rate & fees - the total fees that you are likely to pay over the term of the loan. This includes actual and prospective fees.

2. Loan structure - an incorrect loan structure can have a tremendous affect on overall cost. This cost can be a combination of increased cash flow burden, higher interest or fee and/or tax inefficiency (i.e. paying too much tax). The difference between a correct and incorrect loan structure can often be in the tens of thousands of dollars.

3. Product - such as offset, redraw, line of credit and so on. Having the right product can influence costs. Some common mistakes include paying for features you don't need, products that limit the amount you can repay and so on.

4. Service - the quality of customer service will significantly influence how much time you will need to spend dealing with your banking. A poor service platform can cost you a tremendous amount of time and therefore money.

Our job is to help you make the best, educated decision with the aim of optimising all four of the above considerations.

 Loan structuring is our point of difference

We specialise in developing tax-effective, low-risk mortgage structures that result in lowering the overall cost of debt while achieving the client's goals. This may include:

⋄ Loan structures that facilitate the repayment of non-tax deductible home loans at a significantly accelerated rate saving thousands in interest (read a case study that explains this structure)

⋄ Tenant-in-common ownership and loan structures that optimise your tax position now and into the future (this also provides flexibility to accommodate changes in circumstances)

⋄ Structures that preserver the tax-deductible nature of debt whilst allowing you to reduce interest expense with additional cash flow

⋄ Development of lending strategies (what lenders and products in what order) to accommodate overall financial goals