When your lending
needs untangling.
Life doesn't always go to plan. When your position has become complicated — debt from a downturn, a separation, or years of ad-hoc borrowing — the right restructure puts you back on solid ground. We help borrowers simplify, consolidate, and rebuild.
We turn a tangled position into a fundable one.
Complicated borrowing rarely means there are no options. More often it means fewer lenders will look at it — and the ones who will need the file presented properly. That's the work.
We map every loan, liability, and asset, then build a plan to get you back to competitive terms. Sometimes that's a clean refinance. Sometimes it's private lending first, then a staged move back to mainstream. We'll tell you which applies — and we'll tell you when not to borrow.
Assess your full position
We map every loan, liability, and asset so we know exactly where you stand — and what's achievable from here.
Identify the right path
Some situations resolve with a straightforward refinance. Others need a staged approach — private first, then a transition to mainstream. We'll tell you which.
Restructure for stability
Consolidating debt, releasing security, or renegotiating terms — we work with lenders to put you in a sustainable position.
Plan for the long term
Restructuring isn't just fixing today's problem. We build a plan that gets you back to competitive lending terms over time.
Situations we help with.
If any of these sound familiar, you're not alone — and there are usually more options than you think.
Multiple loans across different lenders that need consolidating into a cleaner structure.
Debt from a business downturn, separation, or unexpected life event that needs reorganising.
ATO debt or other liabilities that are affecting your ability to refinance.
Cross-collateralised properties that limit your flexibility to sell or borrow.
Interest-only periods expiring and repayments jumping beyond what's comfortable.
An existing lender that won't extend, vary, or refinance your current facility.
The restructures we run regularly.
Each one needs a different approach — the goal is always the same: a cleaner, more sustainable position.
Debt Consolidation
Multiple personal loans, credit cards, and property debt rolled into a single, lower-cost facility. Simpler repayments and less total interest paid.
Post-Separation Restructuring
Property settlements often require refinancing to remove a party from the loan, buy out equity, or restructure across a changed asset base.
Business Debt Clean-Up
When business liabilities have bled into personal finances, restructuring can ring-fence the issues and create a path back to standard lending.
Security Release & De-crossing
Cross-collateralised properties make selling one a problem. We restructure to give you independent security and flexibility.
From first conversation to settlement.
Complex lending needs a methodical approach. We map the critical path before we start — which lenders need to move first, what sequencing works, and what realistic outcomes look like.
The honest part: we don't judge your situation. We focus on what's possible from here, and we're upfront about timelines. If a refinance won't work yet, we'll tell you what to clean up first rather than waste your time.
Assess your full position
We map every loan, liability, and asset to understand exactly where you stand and what needs to change.
Identify the right path
A straightforward refinance, or a staged approach — private lending first, then a move to mainstream. We tell you which applies.
Restructure for stability
Consolidating debt, releasing security, or renegotiating terms — we work with lenders who consider applications on their merits.
Plan for the long term
We build a plan that gets you back to competitive terms over time, and support you through to settlement and beyond.
We focus on what's possible from here.
We don't judge your situation — we focus on what's possible from here.
Experience with non-standard and impaired credit scenarios.
Relationships with lenders who consider applications on their merits.
Upfront about timelines and realistic outcomes — no false hope.
Support through the full process, from first conversation to settlement and beyond.
Based in Canberra, connected nationally — a small team for a small number of clients.
Complex debt restructuring.
What makes a debt situation complex enough to need restructuring?
Common scenarios we see: multiple properties cross-collateralised across one or several lenders, making it difficult to sell one asset without triggering a whole-of-portfolio review; mixed personal and business debt creating confusion about what's secured where; a lender that's exited the market or changed policy and is no longer competitive; a trust or company structure that restricts the available lender pool; or adverse credit history (defaults, Part IX, discharged bankruptcy) that limits options. Complexity usually means fewer lenders will touch it — which is where a specialist broker adds the most value.
Can I refinance if I have a default or missed payment on my credit file?
Yes, depending on the severity and age of the issue. Small, older defaults (paid, more than 2 years old) can often be refinanced through non-bank or specialist lenders at a modest rate premium. More recent or larger defaults, court judgments, or Part IX debt agreements require private or specialist credit lenders — the rate premium is significant but the option is usually available. Discharged bankruptcies (2+ years post-discharge) can access non-conforming lending; before that, private lending is typically the only path.
What does cross-collateralisation mean and why is it a problem?
Cross-collateralisation means two or more properties are pledged as security for the same loan or linked loans — if one is sold, the lender can require the sale proceeds to reduce all linked debts, not just the debt attached to that property. This can trap sellers who assumed they'd pocket the equity. Decoupling cross-collateralised properties typically requires refinancing into separate loans, sometimes with different lenders, and has to be managed carefully to avoid triggering LVR covenants or loan reviews.
How long does a complex debt restructure typically take?
Straightforward refinancing from one lender to another — even with unusual structures — can settle in 3–4 weeks. More complex restructures involving multiple lenders, security releases, and coordinated settlements can take 6–12 weeks. Where a lender is in a review process or has issued a demand, the timeline compresses significantly and private lending may be needed to buy time for a proper refinance. We map the critical path before starting — including which lenders need to move first and what sequencing works.
Ready to work through it together?
Start the Conversation
Let's Work Through It Together
If your lending situation has become complicated, it's worth a conversation. We'll give you an honest assessment of where you stand and what's possible.
Contact Details
Phone
02 6188 9849
Office
Level 1, 33 Allara Street
Canberra ACT 2601
Hours
Monday – Friday, 9am – 6pm
What to Expect
- Honest assessment of your options
- Response within 24 hours
- Strategic insight, not a sales pitch
- No obligation discussion