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• Cross Securitising/Collateralisation properties - How linking properties together can limit flexibility and make refinancing harder later.

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• Loan Mixing - The trap of combining personal and investment debt in one facility and not making the appropriate use of splits or using redraw/offset instead of using borrowed funds.​

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• Loan splits and debt recycling - Analyse your loan set up for separating purpose of loan splits for potential investment lending.

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• Interest-Only vs Principal & Interest – The timing and purpose behind choosing one over the other.

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Property Planning

A solid property plan helps you grow with purpose, manage debt smartly, and keep flexibility for whatever comes next. Discuss key considerations with borrowing power.

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• Upgrade & Downsize Strategies – structuring loans so you can move without starting over.

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• Investment vs Owner-Occupied Debt – separating deductible from non-deductible borrowing (direct advice from your accountant)

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• Future Borrowing Power – Planning ahead so your next property remains within reach.

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• Offset & Split Setup – ensuring your accounts and loans support your goals, not limit them.

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• Exit Strategy – knowing when and how to consolidate or reduce exposure.

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Find out more and book a chat today! 

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