CAPSTONE STRUCTURE
Strategic Mortgage Solutions
Why Refinance?
Regain control and take advantage of potential cost saving. Refinance to help with cash flow and create a loan setup that sets you up for years earlier retirement, and future purchases.
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Rate vs Structure – Why the cheapest rate isn’t always the best outcome.
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Loan Splits & Offsets – Setting up for better cash-flow and tax efficiency.
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Accessing Equity – Drawing funds safely for renovations, investments, or debt consolidation.
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Consolidation – combining loans the right way to stay in control (not just start over)
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Fixed vs Variable – Understanding when flexibility or certainty matters most.
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Break Costs & Fees – knowing the real numbers before your switch.
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Resetting Loan Terms – Stretch out your loan term to help with cash flow
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Cross-Collateralisation Clean-Up – Separating loans to regain flexibility.
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Credit Policy Changes – Understand why lenders can assess you differently than last time.
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Future Borrowing Power – Making sure today’s refinance doesn’t limit tomorrow’s plans.