When a client approached us with a complex portfolio spanning six properties and five borrowing entities, they needed more than a simple refinance – they needed a strategy.
The goal was to reduce interest costs, improve cash flow, and secure a new commercial acquisition without injecting new capital. We delivered.
We refinanced both residential and commercial facilities, restructured the debt to unlock sharper rates and longer terms, and used equity in the residential property to fund 100% of the new $2.45M commercial purchase – including costs.
To top it off, we linked all loans to offset accounts to support ongoing cash flow.
The structure:
- Commercial Refinances: $1.03M
- Residential Refinance: $310K
- New Commercial Purchase: $2.45M
- Rates: 6.04% (Commercial), 5.51% (Residential)
The result? A new commercial asset, lower repayments, and a cleaner, smarter debt structure – all without tying up new capital.
At STAC, we simplify complexity so our clients can move forward with confidence.
