Structure Check
Lending That Works as Hard as You Do
Your finance might be working. But is it working hard enough?
At Loans Australia, we believe structure is everything. Our Structure Check reveals the bottlenecks that could be limiting your ability to grow, thereby opening up new opportunities.
Whether you own one property or four, we’ll assess how your loans, lenders, income and equity are performing together. Then we’ll map the structure that clears the path for your next move.
Your Restructure Lending Options
What We Look For
Our Structure Check™ is your opportunity to shift from set-and-forget finance to strategic, forward-focused lending. You’ll walk away knowing where you stand and what’s possible next.
Valuation Opportunities
We help uncover where a lender change could boost your valuation by unlocking equity without touching a single repayment.
Borrowing Power Gaps
Different lenders treat income and debt differently. We identify which one sees your position in the best possible light.
Structure Misalignments
We review your loan types, entities and offsets to uncover inefficiencies, reduce risk, and maximise control. Our Structure Check™ is your opportunity to shift from set-and-forget finance to strategic, forward-focused lending. You’ll walk away knowing where you stand and what’s possible next.
How You Can Benefit
Why Restructure Your Loan with Us
The right loan structure can transform your ability to invest, grow, and build wealth. These are the key advantages our clients gain when they restructure their lending strategically.
Access to Multiple Lender Valuations That Reveal True Equity
We arrange multiple valuations across our lender panel to find the highest usable equity figure, often uncovering significantly more borrowing capacity than a single bank valuation would show.
Strategic Lender Selection That Maximises Borrowing Capacity
Different lenders assess income and expenses differently. We match you with lenders whose criteria maximise your borrowing power without changing your financial position.
Rate Discounts Your Current Lender Won’t Offer
Banks reserve their best rates for new customers. We access competitive rate discounts, often up to 1% below standard lending rates, saving you thousands over time.
Removal of Cross-Collateralisation That Limits Flexibility
Cross-collateralised loans can restrict your options. We separate properties across strategic lenders, protecting your equity and giving you freedom to refinance or sell individually.
Debt Consolidation That Improves Cash Flow
We combine high-interest consumer debts into lower-rate lending to reduce repayments and free up cash flow for wealth-building opportunities.
Annual Review Process That Keeps You Ahead
We recommend yearly loan reviews to ensure your structure stays competitive, optimised, and aligned with your evolving financial goals.
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Our Proven Process
How We Work With You
Our 4D Framework is a proven system that transforms how you think about finance. Whether you’re buying your first home or your fifth investment, we help you design, structure and scale your lending to build wealth – by design, not by chance.
Diagnose
Before we recommend, we reveal.
We start by understanding the full picture to identify both gaps and opportunities.
This step builds the foundation for your Finance by Design strategy, ensuring every recommendation has purpose and precision.
1
Design
We don’t find loans. We design structures.
Using our Smart Start Pathwayâ„¢, we structure your lending to support long-term growth. Every loan, offset and repayment strategy is aligned to your broader Finance by Design vision.
2
Deliver
Precision in execution. Clarity at every step.
We implement your structure seamlessly by selecting lenders, managing approvals and executing your plan with absolute transparency. You’ll know exactly how each element contributes to your Finance by Design journey.
3
Develop
We help you develop your portfolio and potential.
As your equity grows, we help you leverage it strategically, expanding across properties, lenders and structures to strengthen your foundation for long-term wealth. Each stage builds on the last, ensuring your finance strategy continues to evolve as you build Finance by Design.
4
“Helping me refinance my loan was not going to be easy. But when Jodi and I approached Steve … they took care of everything … the monthly repayments are even lower than our previous loan repayments, saving us thousands of dollars in interest each year.”
— Neville Samuels
“With their expertise … they helped me refinance, then on an investment property purchase. … Great to get multiple valuations and to have so many banks/lenders to choose from.”
— Karen