Restructuring your Loans

Re-Structuring your loans allow you to structure your Loans or Portfolio to reduce outgoings, increase flexibility, manage or balance unusual income sources or other circumstances. The restructuring process takes into consideration advice from your accountant (if required) to identify and enable a suitable structure. You can be Full time employed or Self-employed people who have had an ABN registered for 1 day, 12 months and 2 years or more. You may fully disclose your income or choose to self verify as you do not have complete financials or you are not able or do not wish to produce full financials.

With this loan you can: 

• Borrow from $50,000 up to $2.5 million, for a period of 15 to 30 years
• Obtain up to 80% Loan to Value Ratio without paying the Lenders’ Mortgage Insurance premium.
• Obtain up to 95% Loan to Value Ratio with Mortgage Insurance.
• Chose from a variable interest rate or a fixed rate for 1, 3, or 5 years .
• Repay your loan monthly, fortnightly or weekly including by direct debit
• Chose a Line of Credit facility, including phone or internet, ATM and EFTPOS Access and monthly statements.  
• Chose a 100% Offset Account, including phone or internet, ATM and EFTPOS Access and monthly statements. 

For more information see below:

Loan Structuring is completed in consultation with your accountant to obtain the best Lending and Legal Structure for your individual needs.

With this loan you will need to provide 6 month’s mortgage or rental statements if refinancing.