Refinancing when your Fixed Term Ends

We arrange finance for a wide range of investment property types across Australia. This includes residential houses, units, townhouses, and apartments in metropolitan and regional areas. We also have access to lenders who finance unique properties like student accommodation, dual occupancy properties, and houses with minor non-conforming features. Whether you're purchasing established properties or off-the-plan developments, we can structure appropriate finance solutions. Some lenders have restrictions on certain property types or locations, but our extensive panel ensures we can usually find suitable options. We also help with commercial property purchases when they form part of your investment strategy, connecting you with specialist commercial lenders when required.

As specialists in working with self-employed property investors, we understand the unique challenges you face when securing finance. Traditional lenders often struggle to assess self-employed income, which can make the mortgage application process more complex. Our team has extensive experience working with various income structures including sole traders, partnerships, companies, and trusts. We know which lenders are most receptive to self-employed borrowers and how to present your financial position in the most favourable light. This specialised knowledge means we can often secure finance when others cannot, helping you build your property portfolio without unnecessary delays or rejections.

The documentation requirements vary depending on your business structure and the lender's requirements. Generally, you'll need two years of tax returns including notices of assessment, recent business activity statements, and bank statements for both personal and business accounts. If you operate through a company or trust, we'll need financial statements and company documents. For your investment property, you'll need a contract of sale, rental appraisal, and property valuations. We provide you with a comprehensive checklist tailored to your specific situation and help you gather everything efficiently. Our team reviews your documents before submission to ensure they present your application in the strongest possible manner to lenders.

Our assessment process looks beyond traditional employment income to understand your complete financial picture. We examine your tax returns, business activity statements, bank statements, and cash flow patterns to determine your genuine borrowing capacity. For self-employed clients, we consider factors like business consistency, industry trends, and seasonal variations in income. We also look at your existing property portfolio, rental income potential, and investment strategy. This comprehensive approach often reveals borrowing capacity that traditional assessments might miss, allowing you to maximise your investment opportunities while ensuring the loans remain serviceable within your financial circumstances.

Our mortgage broking services are typically funded through commissions paid by lenders, which means most clients don't pay direct fees for our standard services. However, for complex applications requiring significant additional work, or for certain specialised services, we may charge professional fees. These are always discussed and agreed upon upfront before any work commences. We believe in complete transparency about costs, so you'll always know exactly what you're paying for any services. Our focus is on providing value through our expertise and securing finance outcomes that justify any costs involved. Most clients find that the benefits we deliver through loan structuring and lender selection far outweigh any fees charged.

A declined application doesn't mean the end of your property investment plans. Our extensive lender panel means we often have alternative options when one lender says no. Different lenders have varying appetite for self-employed borrowers and different assessment criteria, so a decline from one doesn't predict outcomes with others. We analyse the reasons for any decline and adjust our approach accordingly, whether that means presenting information differently, choosing alternative lenders, or addressing specific concerns raised. Sometimes a decline indicates we need to strengthen your application by improving documentation or waiting for better financial results. We work with you to understand what's needed and develop a plan to achieve your financing goals, even if it takes longer than initially expected.

Absolutely. Refinancing can be an excellent strategy for property investors to improve cash flow, access equity, or secure more favourable loan terms. We regularly help self-employed investors refinance their portfolios to take advantage of changing market conditions or their improved financial position. The process involves reviewing your current loans, assessing your financial situation, and identifying opportunities for improvement. This might include consolidating multiple loans, switching to interest-only payments, or accessing equity for your next purchase. We handle the entire refinancing process including valuations, legal documentation, and settlement coordination, ensuring minimal disruption to your investment strategy while maximising the financial benefits.

Portfolio structuring is one of our key strengths when working with property investors. We help you optimise your loan structure across multiple properties to maximise tax benefits, maintain flexibility, and prepare for future growth. This might involve using different loan products for different properties, structuring cross-collateralised facilities, or keeping properties in separate loan accounts for easier management. We consider factors like your entity structure, tax position, and future investment plans when recommending portfolio arrangements. Our approach ensures your finance structure supports your long-term investment strategy rather than creating limitations. We also review existing portfolios to identify restructuring opportunities that could improve your position or unlock additional borrowing capacity.

The timeframe varies depending on several factors including the complexity of your financial situation, the lender chosen, and how quickly documentation is provided. For self-employed borrowers, the process typically takes 4-6 weeks from application to approval, though this can be longer during busy periods or if additional information is requested. Pre-approval can often be obtained within 1-2 weeks, which is valuable when making property offers. We work to expedite the process wherever possible by ensuring applications are complete and accurate from the start. Our established relationships with lenders often help speed up the assessment process, and we keep you informed of progress throughout to manage expectations and ensure smooth settlements.