Our client held a substantial property portfolio with total lending of $3,600,000. The portfolio was a complex mix of both owner-occupied and investment properties, requiring a sophisticated approach to ensure both personal and investment financial goals were being met.

The Challenge

With such a significant level of debt spread across multiple properties, even a minor discrepancy in interest rates was resulting in substantial unnecessary costs. Furthermore, the existing account structure was fragmented, making it difficult for the client to manage cash flow effectively across her various residential and investment assets. The primary objectives were to slash annual interest costs and overhaul the account architecture to better suit a growing portfolio.

The Beltro Group Solution

Handling a multi-million dollar portfolio requires more than just a simple rate comparison. Our team implemented a comprehensive restructure:

Portfolio-Wide Negotiation: We leveraged the total $3.6M lending volume to negotiate “wholesale” tier pricing that is typically unavailable to smaller borrowers.

Account Streamlining: We restructured the client’s banking setup, aligning offset accounts and payment structures specifically to match the individual requirements of her owner-occupied and investment properties.

Tax-Efficient Structuring: By organizing the accounts correctly, we ensured a clearer separation between personal and investment debt, simplifying her end-of-year accounting.