From Wall Street to Byron Bay

How We Bridged the Gap for a $5.5M Renovation & Saved $57,000 Annually 

​Significant global career success does not always translate to ease of finance in the Australian market. For many expats, traditional domestic lenders often lack the policy flexibility required to recognise the value of international financial profiles, leading to a disconnect between a client's actual wealth and their borrowing capacity. 

We recently worked with a couple based in NYC (an Australian citizen and her US-citizen husband). Despite the husband’s 15-year tenure at a large bank and a high-level income, their financial structure was "too difficult" for standard Australian lenders. Why? Because a significant portion of their compensation was vested company shares rather than just base salary. To most major banks, vested shares are an outlier they aren't equipped to calculate. As a result, the clients were stuck with a non-bank lender at a high interest rate of 8.79%. 

This is exactly where the big banks stop and where Finance Logic becomes your Expert Bridge. Leveraging our 20 years of niche lending experience, we knew that standard wasn't going to cut it.  

By diving deep into their income structure and utilising our access to a panel of 60+ lenders, we identified an Australian bank and worked closely with them to achieve the best outcome for our clients. 

The Results: 

• Massive interest savings refinancing their existing Australian investment loan from 8.79% down to 6.59%. 
• Boosted annual cash flow, saving cients $57,000 per year in interest. 
• We also secured an additional $5.5 million required for a major renovation on the property at the same competitive rate. 

At Finance Logic, we specialise in maximizing borrowing capacity for those with complex international profiles. If you’ve been told "no" because of your residency or income structure, it’s time to talk to an expert who knows how to build the bridge to "yes." 

Get in touch to discuss 
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