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Helping a Self-Employed Medico Professional Build a Property Investment Portfolio

Background and Challenge

Our client is a motivated and successful business owner in the medical industry with the vision of building a substantial property investment portfolio. Despite having a solid business, consistent cash flow, and a history with two major banks, both banks rejected their loan applications.

The key issue lay in the rigidity of the banks’ policies. Each bank’s private banker adhered strictly to their own lending guidelines without the flexibility to explore alternative lending solutions or adapt to the nuances of the client’s financial situation. This left the client feeling stuck and uncertain about how to achieve their property investment goals.

Our Approach

Our team took a different route. Instead of treating the rejection as the end, we engaged in in-depth discussions with the client to fully understand:

  • The nature of their business and cash flow patterns
  • Their short- and long-term investment goals
  • Their existing financial structures and opportunities for growth

After gathering the full picture, we identified multiple ways to unlock lending opportunities beyond the limitations of traditional banks. Our brokers’ deep expertise in the policies of different lenders allowed us to craft tailored solutions, leveraging various loan structures that were otherwise missed by the client’s previous bankers.

Solution

We secured financing for four additional properties under multiple structures, including:

Personal ownership, Trusts and Self-Managed Super Fund (SMSF)

Our ability to adapt to the client’s complex financial situation was key. We worked with multiple lenders and crafted customised loan strategies aligned with the policies of each lender, ultimately unlocking the capital the client needed.

Outcome

The client is now the proud owner of four new investment properties, significantly accelerating their journey toward building a large portfolio. They are extremely satisfied with the outcome and appreciate our ability to think outside the box. Unlike the rigid approach taken by the major banks, our solutions were tailored and designed with flexibility in mind.

We continue to provide ongoing support through:

  • Equity Reviews: To assess borrowing potential as the portfolio grows
  • Rate Reviews: To ensure competitive loan terms over time
  • Portfolio Planning: Helping the client achieve their long-term goals

Why We Succeeded Where Others Failed

The key to our success lies in our intelligent brokerage network. Our brokers:

  • Understand the policies of multiple lenders and know how to align loan structures with each bank’s requirements
  • Have access to non-traditional lenders and boutique banks willing to work with self-employed clients
  • Take a holistic view of the client’s financial situation, instead of relying on cookie-cutter solutions

This case demonstrates the value of working with brokers who have the expertise and flexibility to find solutions where others see obstacles. Our client’s vision of building a large investment portfolio is well underway, and with our continuous guidance and support, they are positioned for future success.

This is just the beginning of a long-term partnership aimed at growing wealth and achieving financial freedom.

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