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Mortgage broking
Mortgage Broking
I’m a financial adviser and a mortgage broker. So your loans are set up to fit your financial plan, not just to get approved.
We focus on home equity loans, refinancing and investment loans for debt recycling.
General information only. Not personal advice.
What we do
Loans built around your plan
- Home equity loans. Put the equity sitting idle in your home to work, to invest or buy property.
- Refinancing. A sharper rate and a better structure, without the bank’s retention games.
- Investment loans for debt recycling. Structured as separate splits, so the interest on your investment debt is tax deductible.
Most brokers look at one loan in isolation. I look at your whole plan first, then find the loan that fits it. Learn more about debt recycling.
You can still borrow to invest in ETFs, and the interest is still 100% tax deductible.
How it works
From strategy to settlement
- Your borrowing capacity. We review your serviceability alongside your retirement income modelling.
- The right lender. We compare the lenders on our panel for your situation.
- The right structure. Splits, offset accounts and lines of credit set up properly from day one.
- Application to settlement. Our finance team manages it with the lender, so you don’t chase the bank.
- Ongoing reviews. We check your loans at your yearly progress meeting.
Case study
A Head of Sales who made $700K of home loan tax deductible
He earned around $620,000 a year in base, bonus and RSUs. He paid top rate tax on every vest, and his $700,000 home loan gave him nothing back.
- We set up a line of credit against his home, kept separate from the home loan.
- We started debt recycling, turning $700,000 of home loan into tax deductible investment debt.
- His accountant set up a family investment trust for new investments.
- We prepaid 12 months of investment loan interest before 30 June.
The result: $55,000 back in his pocket in the first year. Read the full case study.
Names and details changed for privacy. General information only.
Our panel and fees
A dozen lenders, no broker fee
We have about a dozen lenders on our panel, including all the major banks and lenders like Macquarie, ING and Suncorp.
You don’t pay us a fee. We’re paid a commission by the lender. The details are set out in our credit guide.
As a mortgage broker, I’m required by law to act in your best interests.
Your team
Meet our finance team
- Reinz Canares, Head of Finance. Reinz leads our finance team and oversees every loan.
- Nine Acojedo, Finance Strategist. Nine works on your application with the lender, through to settlement.
I act as your CFO, so your loans, your investments and your tax all work together. More about my Personal CFO service.
83 LinkedIn recommendations
What clients say on LinkedIn.
Questions
Frequently Asked Questions
Do you charge a fee for mortgage broking?
No. We’re paid a commission by the lender. The details are in our credit guide.
Which lenders do you use?
About a dozen, including all the major banks and lenders like Macquarie, ING and Suncorp.
Can I use my home equity to invest?
Often, yes. We usually set up a separate line of credit or loan split, so the interest on the investment debt is tax deductible.
What loan structure do I need for debt recycling?
The investment debt needs to be kept separate from your home loan, usually as its own split or line of credit. Mixing them can affect your tax deductions.
Should I refinance?
If your rate or structure no longer fits your plan, it’s worth reviewing. We compare your current loan against our panel.
Are you a financial adviser or a mortgage broker?
Both. That’s why your loans are built around your whole financial plan.
Get the structure right
Want your loans working for your plan?
15 minutes. No cost, no obligation.
Credit assistance is provided by Mike Sikar, Credit Representative 501828 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328.
