Restructuring
Smarter Loan Structures. Better Financial Control
The right mortgage structure can save money and improve flexibility. Loan structures should be designed around your lifestyle, cash flow, and long-term goals.
Restructuring Options We Consider
- Split Loans – Mix fixed and floating rates for balance and flexibility.
- Offset Accounts / Revolving Credit – Reduce interest by linking your savings or income.
- Short vs Long-Term Fixes – Tailor your repayments to market conditions and personal plans.
- Goal Alignment – Ensure your mortgage supports milestones such as retirement, education, or investment.
Example: A family restructured their loan by splitting it into two parts—one fixed for certainty and one floating for flexibility. This allowed them to make extra repayments when income increased, reduce interest over time, and keep their regular repayments unchanged.
Types of Loans
We’ll guide you through the different loan options and help you choose what works best for your goals.
Fixed-Rate Loan
Your interest rate stays the same for a set term (usually 1–5 years). This gives you certainty over repayments, making it easier to budget.
- Best For: Homeowners who want stability.
- Key Benefit: Predictable repayments with no surprises.
Floating-Rate Loan
The interest rate moves with the market, meaning repayments can go up or down. You can also make lump-sum repayments anytime without penalty.
- Best For: Borrowers wanting flexibility.
- Key Benefit: Freedom to repay faster when you choose.
Split Loan
A mix of fixed and floating rates. Part of your loan is locked for stability, while the rest is flexible for extra repayments.
- Best For: People who want balance.
- Key Benefit: Combines security with repayment flexibility.
Interest-Only Loan
For a set time, you only pay the interest (not the principal). Often used by property investors to maximise cash flow.
- Best For: Investors focusing on short-term cash flow.
- Key Benefit: Lower repayments during the interest-only period.
Table Loan
The most common type of home loan. Your regular repayments reduce both the interest and the principal, helping you build equity over time.
- Best For: Most homeowners.
- Key Benefit: Steady progress toward owning your home outright.
Revolving Credit / Offset Loan
Works like a large overdraft linked to your income or savings. Every dollar you keep in the account reduces the interest you pay.
- Best For: Borrowers confident with money management.
- Key Benefit: Flexible access to funds while saving on interest.
Frequently Asked Questions
Financial advice is professional guidance that helps individuals or businesses manage their money effectively by planning how to save, invest, borrow, and protect their finances. It focuses on understanding financial goals, managing risk, and making informed decisions about investments, insurance, loans, and long-term planning such as retirement, helping people achieve financial security and growth over time.
Choosing the right financial adviser is important to ensure your money is managed safely and effectively. Start by checking their qualifications, certifications, and licenses to make sure they are authorised to give financial advice. Look for an adviser with relevant experience in areas you need help with, such as investments, retirement, or mortgages. Ask how they are paid (fees, commissions, or both) to avoid conflicts of interest. Make sure they take time to understand your goals, explain things clearly, and communicate transparently. Finally, check reviews or references and choose someone you feel comfortable trusting with your financial decisions.
The cost to use a mortgage adviser can vary depending on how they charge and where you are.
Free to you: Many mortgage advisers don’t charge a direct fee. They are paid a commission by the lender when your mortgage goes through, so you usually pay nothing extra.
Adviser fee plus commission: Some advisers charge a fee for their service, especially if your situation is complex. This could be a flat fee or a percentage of the loan, paid either upfront or when the mortgage completes.
Important Information and Disclaimer
The information provided is general in nature and may not take into account your personal financial situation or goals. You should consider obtaining tailored financial advice before making any financial decisions. Past results do not guarantee future outcomes. While care has been taken to ensure the information is current, accuracy cannot be guaranteed as rules and regulations may change.
We are not responsible for any errors, omissions, or outcomes arising from the use of this information.