Reviewing your current portfolio
For property investors with lending already in place. We review the existing loans as one portfolio: lender, security, entity and serviceability. Where the structure calls for it, we arrange the refinance.
Should I refinance?
The era of mortgages being a "set and forget" affair is behind us. It's now advantageous to consistently monitor the market, reassess your needs, and explore alternatives. At Insightful Capital, we proactively track interest rates and industry shifts on your behalf.
A portfolio is built one purchase at a time, and so is its lending. Each loan was written for the purchase in front of it. Whether the loans still work together is a separate question.
For an investor, refinancing is a question of structure. Which lender holds which loan. Which property secures it. Which entity is the borrower. How each loan counts when serviceability is assessed.
How we structure it
We start with the loans you hold, not with a new lender.
After settlement
We don't disappear at settlement. We reprice, restructure, and review your loans as your portfolio grows and your situation evolves.
The lender panel
We explore possibilities from an array of lenders.
Set against the whole portfolio
Where a loan moves, the lender and the security are worked out with the rest of the portfolio in view. Which entity borrows is a matter for you and your accountant or solicitor. We arrange the lending around it.
It makes sense when
- Your loans were set up one purchase at a time.
- Your loans have not been reviewed since they settled.
- Your income, entities or holdings have changed since the loans were written.
- You are planning the next purchase and want the existing lending reviewed first.
- Your accountant or solicitor has changed how you hold property, and the lending has to follow.
Not every loan should move. Where the current lender and structure still work for the portfolio, we will say so.
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Ready to talk through your portfolio?
We will work out where you are, where you want to go, and what we need from you to begin.