Structure your loans correctly from day one. Maximize tax benefits, protect your assets, and create flexibility for future growth.
Most people focus on getting the lowest rate, but the real value comes from how your loans are structured. The right structure can save you hundreds of thousands in tax and interest over time.
Poor loan structure is one of the biggest financial mistakes we see. Many people unknowingly contaminate their investment debt with personal expenses, losing tax deductibility and limiting future options. We ensure your structure is optimized from the start.
Maximize tax-deductible debt and minimize non-deductible
Protect equity and maintain flexibility for growth
Asset protection through proper entity structures
Future-proof structure for portfolio expansion
Maximize deductions and minimize tax liability
Shield your wealth from potential risks
Structure that enables portfolio expansion
Clear roadmap for your financial future
Tailored structures for different wealth-building strategies
Separate your debt into multiple loans—fixed, variable, offset, and interest-only—for maximum flexibility and tax efficiency.
Family trusts and unit trusts for asset protection, tax distribution flexibility, and estate planning benefits.
Strategic use of cross-collateralization to unlock equity and fund new purchases while maintaining exit strategies.
Self-Managed Super Fund property loans with limited recourse borrowing arrangements (LRBA) for retirement wealth building.
Convert non-deductible debt into tax-deductible debt by strategically using equity to invest.
Strategic placement of offset accounts to reduce interest on non-deductible debt while preserving investment debt.
A comprehensive approach to designing your optimal loan structure
We analyze your current position, goals, assets, and income to understand what you're trying to achieve.
We design a structure that optimizes tax, protects assets, and enables future growth based on your unique situation.
We implement the structure with the right lenders and entity arrangements, handling all the complexity for you.
As your situation evolves, we review and adjust your structure to ensure it continues to serve your goals.
Don't let these costly errors derail your wealth-building journey
Using investment debt for personal expenses, making it non-deductible and losing tax benefits permanently.
Having a single loan instead of splitting into offset, fixed, and investment portions for maximum flexibility.
Buying investment properties in personal names when a trust structure would provide better protection and tax benefits.
Tying all properties together making it impossible to sell individual properties or change lenders.
Attaching offset accounts to investment loans instead of home loans, wasting tax deductions.
Structuring for today without considering future property purchases or portfolio expansion.
Book a free strategy session to review your current structure or design a new one for your next purchase.