How do I structure multiple loans and offsets?
We tailor splits and offset accounts to your goals (e.g., deductible vs non‑deductible debt management) and avoid unnecessary cross‑collateralisation.
FAQ’s
Interest‑only or principal & interest?
IO can aid cash flow and flexibility; P&I pays debt down sooner. We’ll model both and consider your tax and...
What if my sale price ends up lower than expected?
We build buffers into the numbers and maintain a fallback plan before proceeding.
What documents do I need ready?
Recent payslips or financials, loan statements, rates notices and a realistic price guide for your sale. We’ll send a checklist...
Can I port my existing loan to the new property?
Some lenders allow “loan portability” — policy‑dependent. We’ll compare portability vs refinance vs bridging.
Is bridging finance expensive?
It’s specialised, and interest can capitalise during the “bridge”. We’ll weigh this against alternatives like pricing the sale first or...
How do I buy before I sell?
Options include bridging loans, simultaneous settlements or negotiating longer settlements. We’ll sanity‑check risk, cash flow and timing.
Fixed or variable — what’s better for a first home?
It depends on cash‑flow needs, flexibility and risk tolerance. We can model splits (part fixed, part variable) and explain pros/cons...
How much can I borrow on my income?
Your borrowing power depends on income, debts, living costs and policy. We run servicing across multiple lenders, not just one...
What counts as ‘genuine savings’?
Regular contributions over time usually qualify; gifted funds and tax refunds can help overall funds to complete. We’ll show you...
