In light of the recent hike in interest rates stemming from successive increases in the RBA cash rate ascribable to the pandemic, coupled with rising costs of fund, we have been approached by numerous clients seeking our expertise and assistance in addressing a challenging situation. This predicament involves their monthly mortgage obligations exceeding the rental income generated by their investment properties. During a recent strategy session with one such client, they shared the intricate financial obstacles they were facing and expressed their desire to collaborate in finding a viable solution. Recognising the urgency of relieving their financial burden, we promptly initiated the process of devising effective strategies to support them.

At the outset of the loan application, three friends uniting to invest in an Australian property with the goal of solidifying their financial future. Nonetheless, challenges emerged during the application due to the trio's heavily leveraged financial standing. To surmount this, we devised a strategy to proceed by consolidating the purchase and loan application under the name of the individual with the most robust financial position. Our client was working as a freelance Digital Marketer at the time of the loan application. Her unique employment status set her apart from the typical borrower, as she did not have a conventional employment agreement or operate a registered business as a sole proprietor. Despite these differences, she was persisted to pursue a solo loan application and procure her inaugural investment property in Australia. Her primary objective was to attain the highest possible loan, strategically minimising the immediate out-of-pocket cash required at settlement.

The collaboration began with a reputable Malaysian-based Boutique Project Marketing Agency, recognizing us as the firm to successfully broker financing for this investment opportunity.

Amidst a complex credit application, we were approached by an ultra-high net worth client whose intricate leveraged investments and Non-resident status led to broker withdrawal, risking cash-funded construction costs or purchase default as settlement neared.

A retired IT executive nearing property settlement needed help financing an investment property due to limited income, leading him to purchase the land with cash as he couldn't secure a new investment loan.

Our client became a 'mortgage prisoner' in 2022 due to successive Australian rate hikes, facing distress and payment challenges as they were unable to refinance due to stricter lending criteria and unfavorable loan terms.

A semi-retired stock investor with properties in Singapore, aimed to secure financing for his initial overseas property investment in Australia despite not being employed in recent years.

Three siblings based in different countries - Malaysia, Singapore, and China - collaborated as joint borrowers to secure a mortgage for their second investment property in Australia.

Self-employed Australian expatriates in the hospitality industry based in the United States, seeking a half-million dollar loan to finance an apartment purchase in the central business district of Melbourne.

An Australian Expatriate based in Singapore seeking a combined loan to finance the purchase and construction of 3 of his investment properties in several residential suburbs in Victoria, Australia.

Self Employed Malaysian borrower seeking a loan of 70% finance to construct investment property in greater Northern Suburbs of Melbourne.

A combination of self-employed & salaried employee, the borrower intended on refinancing an existing Australian mortgage to attain a better interest rate and lower monthly repayment.

A high net-worth Singaporean couple seeking a loan to finance a luxury townhouse investment property in the Eastern residential suburbs of Brisbane.