Your Loan Portfolio Should Work as Hard as You Do
A confidential review of your existing loans — rates, structure, cross-collateralisation, and equity position. We identify what's costing you money and what's blocking your next move.
When to Review
When Restructuring Your Debt Actually Matters
Most property investors review their loans too infrequently. These are the situations where a structured review typically uncovers real savings.
Your rate hasn't been reviewed in 2+ years
Lenders rarely pass on rate cuts automatically. If you haven't reviewed in two years, you're almost certainly paying more than you need to.
You're paying principal on investment debt
Investment loans should typically be interest-only to maximise deductibility. If yours have reverted to P&I, a restructure could improve your cash flow significantly.
Multiple loans with different lenders
Fragmented debt across lenders creates admin overhead, misaligned terms, and cross-collateralisation risk. Consolidating simplifies and often saves money.
You're planning to buy again
Before adding to your portfolio, your existing structure should be reviewed. The wrong setup limits your next move before you've even found the property.
You have equity but feel stuck
Equity locked in one property may be accessible with the right lender and loan structure — without selling. A review often reveals options you didn't know were there.
Your investment strategy has changed
Life changes — income, tax position, family, business. Your loan structure should reflect where you're going, not where you were when you last signed.
Our Approach
Strategy First. Transaction Second.
Portfolio Review
We map every loan — balance, rate, product type, lender, offset, and cross-collateralisation. We look at what you have and what it's costing you.
Strategy Alignment
We review your current investment strategy, tax position (in general terms), and short-to-medium-term goals before recommending any change.
Restructure Modelling
We model the cost savings and structural improvements of 2-3 scenarios — including new lender options, product switches, and equity release options.
Implementation
We manage the refinance or restructure end-to-end — applications, valuations, discharge of mortgages, and settlement — with minimal disruption to you.
Example
Before & After: A Real Restructure Outcome
Before
After
Representative example. Individual outcomes depend on loan balances, serviceability, lender appetite, and property valuations.
Why Investors Choose LFG
Independent. Experienced. Straight-Talking.
Independent access to 60+ lenders — we find what's best for your position, not what's easiest to place
Director-only service — Andrew reviews every portfolio personally
No obligation review — you get a clear picture before committing to anything
Experience across investors with 1–10+ properties
FBAA member — independent, fee-free advice
Andrew Pogany
Principal Broker · Credit Rep 513550
Portfolio reviews and restructures are handled by Andrew personally. No templates. No junior staff. You get a real analysis with a real recommendation.
Speak with AndrewFAQ
Common Questions
How do I know if a restructure is worth doing?
We model it for you before any application is made. If the cash flow improvement or rate saving doesn't justify the costs of switching (discharge fees, application fees, legal), we'll tell you — and you won't pay anything for that advice.
What does cross-collateralisation mean and why is it a problem?
Cross-collateralisation means a lender has security over multiple properties for a single loan (or group of loans). This gives the lender significant control — they can force a sale of property A to cover a shortfall on property B. Separating securities often opens more flexibility for future purchases.
Can I access equity without selling?
Often yes. If you have sufficient equity and serviceability, we can arrange a refinance that releases equity as a line of credit or separate loan — which can be used for deposits, renovations, or investment purposes.
Will refinancing affect my credit score?
Lender applications do result in credit enquiries. We mitigate this by doing thorough pre-assessment before making any formal application — so we only apply to lenders where your file is likely to succeed.
How long does a restructure take?
A straightforward refinance typically settles in 3–5 weeks. A more complex restructure involving multiple lenders, valuations, and equity releases may take 6–8 weeks. We give you a realistic timeline at the outset.
Is this advice or just a transaction?
We take a strategy-first approach. We won't recommend a restructure unless it genuinely improves your position. You'll receive a clear recommendation with reasoning before any application is submitted.
Find Out What Your Portfolio Is Actually Costing You
Request a confidential portfolio review. We'll map your current structure, model the savings, and tell you exactly what a restructure could achieve — before any application is submitted.
Request a Confidential Portfolio Review