The structuring your loans may appear simple and for some people…. it is.  However, you always need to ask yourself some questions.   Does the structure of my loan(s) fit in with my goals?   Will this lending structure or lender allow me to achieve my next goal?   Setting up the right structure for your loans may not only save you money through rates and fees but also time and inconvenience.

Simple structuring may be to determine the proportion of fixed v’s variable.  More complex loan structuring may be to decide on whether Interest Only loans focused on cash flow are more beneficial the Principal and Interest Loans focussed on debt reduction.   Or should you have a combination of Interest Only and Principal and interest and in what proportion?  If your capacity to repay down debt isn’t properly assessed, you may be penalised significantly or even worse, lose the opportunity to better your financial position because of lender restrictions.

Finally, structuring becomes significantly more important for your investment purchase(s).   If your goal is to continue to grow the portfolio, how you are going to account for each property and fund the deposits?   The purchase also needs to be assessed carefully at the same time.   In terms of both  the ongoing financial management of the property and the lending.

We are love structuring your finances for both the now and the future..