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Structure your loans and debt the right way

Professional loan advice, built around your bigger picture.

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Loans can be complex – full of fine print, unfamiliar terms and options that all sound the same. But with the right advice, the process becomes simpler, smarter, and far more strategic. We help you navigate the process from start to finish, so you can make confident, informed decisions that support your long-term goals.

Your loan doesn’t exist in a vacuum – it affects (and is affected by) every other part of your financial life. That’s why loan structuring and advice is always delivered as part of your holistic financial plan. No two lives (or loans) are the same. That’s why we take the time to understand where you are, where you’re headed, and how to get you there faster.

We’ll work closely with you to:

  • Define your goals – buying a home, investing, restructuring or refinancing
  • Assess your borrowing power and current financial position
  • Explain different loan types, features and strategies in simple, human terms
  • Recommend a loan structure that fits your lifestyle, income, and long-term financial plan
  • Identify ways to reduce interest, accelerate repayments, or access equity strategically
  • Coordinate with trusted mortgage brokers and lenders to get the deal done
  • Ensure your loan continues to work for you, with regular check-ins and reviews

Our job is to simplify your decision-making, protect you from pitfalls, and unlock opportunities you may not even know exist.

Make your money work harder

Home Loan Advice

Home Loan Advice

We’ll guide you through the entire journey together with our in-house mortgage brokers. All our advice is thoroughly-researched and based on a deep understanding of the entire market. So, most importantly, working with our advisors means that you can ensure your home purchase supports and builds your overall financial future and security.
Your home loan is a serious commitment that will affect every other aspect of your financial life. Our job is to make sure that your loan will help you meet your financial goals – not hold you back.

First home buyers: You’re navigating one of life’s biggest milestones but it doesn’t have to be one of the most stressful. We’ll guide you through setting up cashflow to ensure you’re covering what you need to, loan extras such as offset accounts and how to use them, and how to pay off your mortgage more quickly.

Investment buyers: We help you set up the right loan structures to make the most of tax savings, manage CGT obligations, and help you understand how your expenses and rental income relate to your loan and finances. We also utilise strategies like debt-recycling for the right clients, to turn your bad debt into good debt.

Buying a home upgrade: If you’re planning on upsizing or upgrading your family home, or you’re ready to build or purchase your forever home, we can help you optimise your loans or debt structure to get the best outcome for your long-term financial situation.

Investment Loan Advice

Investment Loan Advice

Looking to grow your wealth through property, shares or managed funds? The right loan structure can boost your returns, optimise tax outcomes, and strengthen your overall investment strategy.

We’ll help you:

  • Align your loan structure with your investment goals and risk profile
  • Understand the implications of interest-only vs principal & interest loans
  • Use gearing strategies to your advantage, including negative gearing
  • Explore options like debt recycling and using equity for future investments
  • Assess how investment debt fits into your broader financial plan
  • Identify diversification opportunities across asset classes
  • Avoid overexposure or poor debt management that could impact future lending

This isn’t just about borrowing money – it’s about building a future.

Home Loan Advice

We’ll guide you through the entire journey together with our in-house mortgage brokers. All our advice is thoroughly-researched and based on a deep understanding of the entire market. So, most importantly, working with our advisors means that you can ensure your home purchase supports and builds your overall financial future and security.
Your home loan is a serious commitment that will affect every other aspect of your financial life. Our job is to make sure that your loan will help you meet your financial goals – not hold you back.

First home buyers: You’re navigating one of life’s biggest milestones but it doesn’t have to be one of the most stressful. We’ll guide you through setting up cashflow to ensure you’re covering what you need to, loan extras such as offset accounts and how to use them, and how to pay off your mortgage more quickly.

Investment buyers: We help you set up the right loan structures to make the most of tax savings, manage CGT obligations, and help you understand how your expenses and rental income relate to your loan and finances. We also utilise strategies like debt-recycling for the right clients, to turn your bad debt into good debt.

Buying a home upgrade: If you’re planning on upsizing or upgrading your family home, or you’re ready to build or purchase your forever home, we can help you optimise your loans or debt structure to get the best outcome for your long-term financial situation.

Investment Loan Advice

Looking to grow your wealth through property, shares or managed funds? The right loan structure can boost your returns, optimise tax outcomes, and strengthen your overall investment strategy.

We’ll help you:

  • Align your loan structure with your investment goals and risk profile
  • Understand the implications of interest-only vs principal & interest loans
  • Use gearing strategies to your advantage, including negative gearing
  • Explore options like debt recycling and using equity for future investments
  • Assess how investment debt fits into your broader financial plan
  • Identify diversification opportunities across asset classes
  • Avoid overexposure or poor debt management that could impact future lending

This isn’t just about borrowing money – it’s about building a future.

Happy couple standing in front of their home

Your financial adviser can help you

  • Save for a deposit and set a timeline
  • Avoid common traps that lead to costly mistakes
  • Get your budget sorted to manage fluctuations in interest rates
  • Understand how a home loan will affect your overall financial plan
  • Do advanced cashflow modelling to protect you and maximise investment benefit
  • Ensure your home loan benefits, such as offset accounts, fit with your financial structure
  • Make recommendations for investment loan structures to optimise your financial situation, including debt-recycling, interest-only loans, and more
Get a holistic financial plan
Mortgage broker Cara Giovinazzo

Our mortgage brokers can help you

  • Find the best lender and loan product for you
  • Decide between fixed, variable or split rate loans
  • Assist with other personal loans, such as car loans
  • Understand your borrowing power and repayment capacity
  • Review existing loans and recommend refinancing if suitable
  • Maximise access to grants and schemes (like First Home Guarantee)
  • Decide whether or not you should take out lender’s mortgage insurance
  • Estimate total purchase costs, including stamp duty, LMI and legal fees
  • Help implement strategies like offset accounts, interest-only loans, redraw facilities and debt recycling
Talk to a mortgage broker

Related services

Your loan is part of a bigger picture

Our services are interconnected, looking at the whole of your financial life.

See all services
Property Investment Advice We guide you through the full property investment journey – from planning and finance structuring to purchase and beyond. Learn more
Personal Insurance Advice We’ll build a proactive risk strategy that protects your income, assets, and loved ones in the event of illness, injury or death. Learn more
Tax Planning Advice We’ll structure your tax effectively, identify money-saving opportunities, and ensure every dollar is working harder for your financial future. Learn more
Wealth Creation Our team has extensive experience in wealth-building strategies for clients who are starting out or scaling up. Learn more
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Integrated, strategic advice

Let’s structure a loan that works hard for you.

Frequently asked questions

In order to be the most effective, an investment loan should maximise the benefits to you while minimising any tax obligations you may have. Investment loans, as opposed to home loans, are tax-deductible. That means that a good investment loan structure should take advantage of this status to reduce tax obligations across both your investment loan and home loan.

Debt recycling is a common investment loan strategy that redirects income generated by your tax-deductible investment into your non-tax-deductible home loan.  Done properly, debt recycling can dramatically reduce the amount of time it takes to pay off both your home loan and your investment loan.

But debt recycling also carries some risks, as you are using your family home as security for your investment loan. Because of these risks, you should seek professional advice before using this strategy.

Read our full guide to debt recycling here to understand how it works, plus the risks and rewards.

An investment loan doesn’t just have to apply to investment properties. You can also use an investment loan to invest in shares or other income-producing assets like a managed fund. Within our holistic plans, we identify exactly when this is the right option for you, and how it should be structured.

An investment loan can also help you:

  • Grow your wealth by expanding and diversifying your investment portfolio
  • Create an income independent of your job
  • Retire earlier
  • Meet your financial goals faster than you thought you could

In combination with your overall financial plan, a healthy and diverse investment portfolio is a cornerstone of a successful and wealth-creating financial plan.

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