Funding, arranged by
people who know your numbers
Home loans, refinancing and equity strategies alongside business and commercial finance. Lenders want the financials your accountant prepares — when the accountant is already across them, the application moves faster and the structure is right first time.
Borrowing where the tax
position is part of the plan
Most brokers arrange the loan and stop there. The structure of that loan decides what is deductible for as long as you hold it — which is a question for your accountant, not an afterthought.
Home Loans
First home, upgrading, building, or buying again. We prepare the figures a lender asks for, so the application arrives complete rather than in instalments.
- First home buyers and upgraders
- Construction and renovation lending
- Self-employed and complex income, where we already hold the financials
- Borrowing capacity worked out before you start looking
Refinancing
A rate review is the obvious reason. The more valuable one is fixing a structure that has drifted since the loan was written.
- Rate and product review across lenders
- Restructuring loans that have mixed purposes
- Consolidating debt without losing deductibility
- Splitting a loan so investment and private portions stay separate
Accessing Equity
Using the equity in a property you already own to fund an investment, a deposit, a renovation or a business — without accidentally creating a loan nobody can apportion later.
- Equity release for an investment property deposit
- Funding a business or a commercial purchase
- Keeping the new borrowing in its own split
- Working out what is deductible before the funds are drawn
Debt Recycling
Gradually converting non-deductible home loan debt into deductible investment debt. Powerful when it suits you, and unforgiving if the loan accounts are set up carelessly.
- Whether it suits your income, horizon and risk tolerance
- Structuring the splits so purpose stays clean
- Modelling it against your actual marginal rate
- Reviewing it as circumstances change
Debt recycling,
honestly explained
Interest on the loan against your own home is generally not deductible. Interest on money borrowed to produce income generally is. Debt recycling is the process of steadily shifting debt from the first category into the second, without necessarily increasing what you owe overall.
In practice it means paying down the home loan, redrawing that amount as a separate split, and using that split to invest. Over years, the non-deductible balance shrinks and the deductible one grows.
The single rule that governs all of it: deductibility follows the use of the funds, not the asset securing them. Borrowing against your home to buy an income-producing investment can be deductible. Borrowing against an investment property to pay for a holiday is not.
Where it goes wrong
- Mixing investment and private borrowing in one loan account, which makes apportionment messy and can be difficult to unwind
- Paying investment income into a loan and redrawing it for private spending
- Setting it up without records of what each split was used for
- Treating it as a product to buy rather than a process to maintain
Who it does not suit
- Anyone whose income or job security would not carry the repayments if markets fall
- Short time horizons — this is a strategy measured in years, not months
- People uncomfortable holding investments through a downturn while still owing the debt
- Anyone near retirement without a plan for the debt itself
Four ways to fund
the next move
Business Loans
Customised loan options to fuel business growth — whether that is a new site, a hire, an acquisition or simply the working capital to take on a larger contract.
- Secured and unsecured facilities
- Growth, expansion and acquisition funding
- Structured against your actual serviceability
Equipment Financing
Flexible financing to help you acquire the equipment the business needs, without draining the cash reserves that keep it running week to week.
- Vehicles, plant and machinery
- Technology and fit-out
- Chattel mortgage, lease and hire purchase compared
Invoice Financing
Enhance cash flow by leveraging outstanding invoices, so a healthy order book does not turn into a cash flow problem while you wait to be paid.
- Release cash tied up in receivables
- Bridge long debtor terms
- Scales with your sales rather than your assets
Commercial Mortgages
Competitive mortgage options for purchasing or refinancing commercial property — including buying your own business premises.
- Purchase and refinance
- Owner-occupied business premises
- Coordinated with the entity and GST advice
The accountant is
already in the room
Most finance applications stall in the same place: the lender asks for financials, tax returns or a serviceability position, and the broker has to go back to the accountant and wait.
Here that step does not exist. The people preparing your figures are the people arranging the finance, so the structure, the tax consequences and the borrowing are decided together rather than in sequence.
Financials ready on day one
No waiting on a third party to produce what the lender asked for.
The right entity borrows
Who borrows affects deductibility, asset protection and the eventual sale. Decided before you apply.
Repayments modelled honestly
Against real cash flow, including the tax bill that lands in the same year.
Tell us what you're funding
A short conversation is usually enough to tell you whether it stacks up and roughly what it will cost.
Book a free consultation