Page 22 - Loan Structure Solutions

lot of questions and take a long time muddling their way through it.
There are also some other lenders that won’t even consider it (they’ll
refer you to their business banking department which will try and
charge higher rates and fees so run a mile).

Product options between lenders for loans in a company, trust or super
fund name can also vary dramatically. Some lenders will restrict
features and others will charge higher rates and fees. The reason for
this is historically ‘mum and dad’ investors typically were not that
sophisticated and rarely used entities. Therefore, historically, these
loans have been dealt with by their business banking departments.
Over time this has changed but the banks do take a while to catch up.

The final Word

I hope this report has gone some way to demonstrating the value of
astute credit and loan structure advice – particularly for investors. Now
that you realise this is important, you need to recruit the best mortgage
broker you can find and add them to your investing team. Access to
finance can make or break your investment strategy.

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