Background and Challenge
Our client is a driven and successful business owner in the health sector. Despite having a well-established business, a consistent cash flow, and a strong banking history, their loan applications were rejected by their bank. The primary challenge stemmed from the bank’s rigid adherence to its lending guidelines and its reluctance to explore alternative lending solutions tailored to the client’s unique financial situation.
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Our Approach
We adopted a more flexible and comprehensive approach. Our team took the time to thoroughly understand:
- The nature of the client’s business
- The client’s current and historical financial structure
- Cash flow and profitability
- Both short- and long-term investment objectives
By gaining a deeper insight into these factors, we were able to identify lending opportunities outside the limitations imposed by their bank. Leveraging our expertise in the policies of alternative lenders, we crafted tailored solutions and lending structures that aligned with the client’s needs, which the bank could not accommodate.
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Solution
We successfully secured financing for three additional investment properties through a range of structures, including:
- Personal ownership
- Trusts
- Self-Managed Super Fund (SMSF)
Working with several lenders, we developed a loan strategy that supported the client’s immediate and long-term objectives while adhering to each lender’s specific policies.
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Outcome
The client is now the proud owner of three additional investment properties, significantly accelerating their portfolio growth. They are very satisfied with the outcome and appreciate our ability to think creatively and provide customized solutions. Unlike the inflexible approach of their bank, our solutions were tailored to offer greater flexibility.
We continue to support the client with:
- Equity Reviews: Assessing borrowing capacity as the portfolio expands
- Rate Reviews: Ensuring competitive loan terms over time
- Portfolio Planning: Assisting in the achievement of long-term financial goals
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Why We Succeeded Where Others Failed
Our success can be attributed to:
- Possess a deep understanding of the policies and requirements of multiple lenders, allowing us to align loan structures effectively with each bank’s criteria.
- Have access to non-traditional lenders and that are more willing to work with self-employed clients.
- Take a holistic view of the client’s financial situation, moving beyond one-size-fits-all solutions.
This case highlights the value of working with brokers who combine expertise, flexibility, and creativity to navigate complex financial landscapes.
We look forward to providing ongoing guidance and support to assist our client’s in realising their vision of creating longer term wealth and financial freedom.
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