Every scenario below is a real client — names and identifying details removed. From Palm Beach to Mosman, here's how we put the right loan, with the right lender, in front of the right deadline.
A Mosman family secured an off-market Palm Beach property and needed to settle before listing their existing home.
Mainstream bridging products would have required a sale contract already in place.
We structured a private bridge with a 12-month term — drawn at settlement, repaid on sale.
A self-employed client with income spread across three trusts needed to refinance before a fixed-rate cliff.
Two major banks declined on serviceability calculations that ignored retained earnings.
Placed with a second-tier lender that took a commercial view — saving 1.1% on rate.
Trusts, self-employment, multiple entities, tight timing — the harder it looks, the more useful we are.
An investor was holding six properties across four lenders, each with separate revaluations and offset accounts.
Cash flow visibility was poor, and overall borrowing capacity had been understated.
Consolidated to a single lender with a master facility, releasing $480k of equity in the process.
A young couple had been told repeatedly they needed 20% to buy anywhere on the Beaches.
Stamp duty and LMI on a sub-20% deposit would have wiped out their savings.
Secured a place under the First Home Guarantee Scheme — no LMI, no stamp duty, settled in 31 days.
Every case above started with a 20-minute conversation. Yours can too — no obligation, no cost.
Owners knocking down a 1970s cottage to build a contemporary family home with progressive drawdowns.
Their bank's construction product capped LVR at 70% and required quantity-surveyor sign-off at each stage.
Moved to a specialist construction lender, lifted the LVR, and matched the drawdown schedule to the builder's invoicing.
If your situation looks anything like the cases above — or looks nothing like them at all — send us an enquiry. We'll tell you straight whether we can help, and how.
