Expert lending advice eases a young family’s financial stress
Client Stories • Aug 6, 2025 3:25:12 PM
Client background
Our clients, a young couple with two children, were managing eight different loans, including credit cards, car & personal loans and home mortgage.
Their total monthly repayments exceeded $2k, putting intense pressure on their cash flow, especially with the rising cost of living.
With their home loan locked in at a fixed rate, breaking it would have meant costly fees - they saw no clear path to ease the financial burden without adding to their expenses.
Our expertise at work
During their annual financial review, our adviser identified an opportunity to ease the couple’s financial strain through loan restructuring and referred them to our lending team.
Our lending experts the time to understand their financial position ,challenges, and goals to ensure our recommendations were tailored to their needs.
We assessed options from 40+lenders to identify the best-fit solution. |
This uncovered the opportunity to reduce their repayments and relieve ongoing financial strain.
It was also important for us to keep the clients in the loop and reassured throughout: from document collection to loan submission, formal approval, and final settlement.
Impact delivered
We delivered a highly personalised plan that allowed the couple to:
- Access the equity in their home to consolidate 8 personal debts into a single
loan - Stay with their current provider, avoiding break fees on their fixed-rate
mortgage
As a result, their monthly repayments dropped from $2,655 to just $692 - significantly easing their financial pressure and improving cash flow. |
While the repayment period on some debts was extended, this strategy was intentional: It prioritised immediate affordability and cash flow flexibility to help the family manage their living costs.
With all their debts now rolled into one manageable payment, they feel more in
control, less overwhelmed, and better positioned to focus on their family’s financial
wellbeing.