RESIDENTIAL
Client Background
Introducer
Key details
Investment details
Client background
Introducer
Key details
Investment details
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.
Due to the client’s unusually high level of existing property finance debt both in Australia and in the home country, the Challenge of this particular scenario was to achieve this refinance by circumventing traditional full-income assessment requirements in order to gain approval from a lender to a more favourable interest rate in Australia.
Aside from using the net profit of the Company by providing consistent past data evidence eligibility, we negotiated with the Funder a custom one-off scenario to show further assets in Malaysia to prove high net worth.
We were able to secure a loan at a lower interest rate matching the borrower’s existing outstanding loan balance without any further financial documentation evidence.
The investor is now earning favourable rental income on this property and is utilising this income to comfortably meet the monthly loan instalment, which is significantly lower than the previous loan.
Due to pandemic-related increases in interest rates and rising fund costs, we are supporting clients whose monthly mortgage payments are higher than their rental income from investment properties by devising urgent solutions to alleviate their financial stress.
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