Check your financial health today

Why Restructure Your Finances?

Many of us set our financial plans and then forget about them. However, periodic reviews are essential to make sure your money is working as hard as you are. A thorough financial health check can help you:

Improve Cash Flow

Reassess loans - like your car or personal loan - to free up extra cash for your priorities.

Consolidate Debt

Manage high-interest credit card balances or multiple loans by combining them into a single, more manageable payment.

Unlock Hidden Equity

Explore untapped equity in your property to fund investments or make significant purchases.

Reduce Financial Stress

Simplify your financial commitments and gain clarity on your long-term objectives.

Start Restructuring Today

Are you located outside of Melbourne? Get in touch and we can help find the best solution for you, no matter where in Australia you’re located.

How it works

Our Process for Finance Restructuring

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Initial Financial Health Check

We start with a comprehensive review of your income, expenses, assets, and liabilities - much like a full medical check-up for your finances.

Tailored Strategy Development

Based on your current situation and future goals, we craft a personalised plan. This might include debt consolidation, loan refinancing, or strategies to access untapped equity.

Implementation & Negotiation

We work with your lenders and creditors on your behalf, negotiating better terms and streamlining the process to put your plan into action.

Ongoing Monitoring & Support

Your financial landscape may change, so we continue to monitor your progress and adjust strategies as needed to keep you on track.

Restructuring Finance Options & Considerations

Take advantage of the incentives at your disposal

Restructuring isn’t a one-size-fits-all solution. Here are some approaches we can help you explore.

Debt Consolidation

Combine multiple high-interest debts into one loan with a lower overall interest rate, reducing your monthly repayments and simplifying your financial commitments.

Loan Refinancing

Reassess your current loans - such as your car or personal loans - to secure more favourable rates or extended terms, ultimately improving your cash flow.

Equity Release Strategies

If you own property, we can help you explore ways to release untapped equity. This could provide funds for investments, renovations, or other major expenses.

Budget Reassessment & Financial Planning

We review your spending and saving patterns, ensuring every dollar is working toward your long-term goals.

Government Initiatives & Schemes

Although there aren’t direct government programmes specifically for financial restructuring, various initiatives - such as first home buyer schemes or refinancing incentives - can support your broader financial strategy. We stay up to date with these initiatives to help you maximise any available benefits.

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Access the best lenders in Australia to help restructure your financial situation.

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Frequently asked questions

Everything you need to know about securing your investment loan in Melbourne.

What does it mean to restructure my finances?

Restructuring your finances involves reviewing your current financial situation, consolidating or refinancing debts, reassessing loans, and re-aligning your financial strategies to better meet your goals.

Why should I consider a financial review?

Regular financial reviews ensure that your financial commitments remain manageable and that you’re making the most of opportunities to save money, reduce debt, and improve cash flow.

What is debt consolidation, and how can it help me?

Debt consolidation means combining several high-interest debts into a single loan with a lower interest rate. This can simplify your repayments and potentially lower your monthly outgoings.

How does refinancing improve cash flow?

By refinancing your existing loans, you may secure lower interest rates or extend your repayment term, which can reduce your monthly payments and free up cash for other priorities.

Can I unlock equity from my property to invest elsewhere?

Yes, if you have untapped equity in your property, you can explore options such as equity release or refinancing to access funds for investments, renovations, or major purchases.

How often should I review my finances?

It’s recommended to conduct a financial review at least once a year, or whenever there are significant changes in your financial situation, such as a new job, a major purchase, or shifts in the market.

What should I expect during a financial health check?

We’ll analyse your income, expenses, debts, and assets to gain a complete picture of your financial situation. This helps us identify areas for improvement and develop a strategy that’s tailored to your needs.

Are there any government schemes that support financial restructuring?

While there aren’t direct government programmes for restructuring finances, schemes like first home buyer initiatives or refinancing incentives can play a role in your broader strategy. We keep up to date with these initiatives to ensure you benefit from any available opportunities.

How do I get started with restructuring my finances?

Simply reach out for a free consultation. We’ll schedule an initial meeting to discuss your financial situation and explore the best restructuring options for you.

Still looking for more advice?

Can’t find the answer you’re looking for? Please chat to our friendly team.

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Browse our other services

Can't find exactly what you're looking for? Here are some other services that we provide that might be more suitable to your situation:

First Home Buyer Loans

Access competitive loan options that can help you start your property journey in Australia, get in touch today.

Commercial Loans

If you need help to refinance or purchase commercial property, just contact us today to find a solution.

Variable & Fixed Rate Loans

Let us help you navigate the complexity around loans and find the best rate type for your goals.

SMSF Loans

An SMSF loan enables a Self-Managed Super Fund to borrow funds for acquiring investment properties or refinance existing SMSF debt.

Bridging Loans

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold.

Asset Finance

Need finance for another large purchase besides your home like a private car or commercial vehicle and equipment?

Investment Loans

Access competitive loan options that can help you maximise your investment returns across your portfolios

Development Funding

Development funding offers a range of financial options tailored to help you successfully complete your project.

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Not sure what kind of loan you need?

The major benefit of using a broker to finance other large purchases besides property is obtaining finance that is tailored to fit your current financial circumstances and needs. With depreciating assets, the right finance can also potentially save you money on interest and fees, or potentially help you maximise your tax benefits. AND MORE – Not sure what kind of loan you need for your current financial circumstances? That’s our job. We deliver tailored finance solutions chosen from a panel of leading lenders, and give you peace of mind that your loan is working for you. Contact us today to find out all the ways we can help you.

Finance Restructuring Support in Melbourne

Optimise Your Financial Health for a Brighter Future