Strategic Refinancing and Debt Optimisation for a High-Net-Worth Family
Posted on 14 October 2025
What was the situation?
A high-net-worth family held multiple investment, owner-occupied, and commercial loans totalling approximately $19 million. Loans were mostly interest-only, rates were above market, and commercial arrangements created additional compliance requirements. The family wanted to reduce borrowing costs, optimise cashflow, improve flexibility, and structure banking arrangements aligned with long-term financial and investment goals.
What did HTL Private Office do?
- Managed a competitive tender process with multiple private banking institutions to secure optimal terms.
- Worked in tandem with the client’s accountant and advisors to ensure a tax-effective and cost-effective solution.
- Structured a debt package enabling an investment portfolio for income-producing assets.
- Restructured both consumer and commercial facilities.
What were the solutions?
- Restructured facilities: Optimised rates, interest-only flexibility, tax-effective
- Diversified investment-enabled loan: Generates income-producing assets
- Consumer / commercial mix: Achieves compliance recovery and cashflow optimisation
What was the outcome?
- Achieved unencumbered commercial assets outside the banks’ security pool.
- Restructured $19M debt to optimise rates and repayment flexibility.
- Estimated annual interest savings of $90,000+.
- Recovered compliance burden from commercial arrangements.
- Enabled income-producing investment portfolio under SMSF.
- Provided strategic flexibility for future growth and investment planning.
Why HTL Private Office?
- Delivered a coordinated solution across consumer and commercial debt.
- Combined competitive tendering with tax and financial optimisation.
- Maximised cashflow and strategic capacity for the client’s long-term investment plans.
