Refinancing

TekFin specialises in delivering comprehensive finance and mortgage broking services specifically designed for high net worth individuals and sophisticated investors across Australia. Our expertise encompasses complex residential and commercial property financing, investment property portfolios, asset refinancing, and strategic debt restructuring. We work with an extensive network of premium lenders to secure tailored financing solutions that align with your wealth creation objectives. Our approach involves understanding your complete financial position and long-term investment strategy to recommend appropriate lending structures that optimise your borrowing capacity whilst maintaining financial flexibility for future opportunities.

The approval timeline for high net worth clients varies considerably depending on the complexity of their financial structure and the specific lending requirements involved. Straightforward investment property purchases with clear income documentation typically take between two to four weeks from application submission to formal approval. However, more complex scenarios involving multiple properties, commercial acquisitions, development finance, or SMSF lending may require six to eight weeks or longer. Factors that influence timing include property valuations, detailed financial assessment of complex income streams, and lender due diligence requirements for substantial loan amounts. TekFin actively manages the approval process, maintaining regular communication with lenders and providing updates throughout. We recommend allowing adequate time in your property purchase timeline and can provide realistic timeframe estimates based on your specific circumstances during our initial consultation.

TekFin maintains ongoing relationships with clients throughout their loan term and beyond, recognising that high net worth individuals often experience changing financial circumstances due to business growth, investment performance, or strategic shifts. If your circumstances change, we can assist with loan restructuring, additional borrowing against existing security, or refinancing to more suitable loan products. This might involve accessing equity for further investments, adjusting loan structures for tax efficiency, or accommodating changes in income sources. Our established lender relationships enable us to facilitate these changes efficiently, often without requiring complete reapplication processes. We recommend maintaining regular contact with our team, particularly when considering significant financial decisions or investment changes. This proactive approach ensures your lending arrangements continue to support your evolving wealth creation strategy whilst maintaining optimal financial flexibility for future opportunities.

TekFin arranges financing for an extensive range of investment properties tailored to sophisticated investors' portfolios. This includes premium residential properties, luxury apartments, commercial real estate, industrial facilities, retail premises, and mixed-use developments across Australia. We also facilitate financing for off-the-plan purchases, property syndicates, and large-scale development projects. Our expertise extends to unique property types such as student accommodation, aged care facilities, and specialised commercial assets that require specific lending expertise. Additionally, we assist with portfolio refinancing strategies when clients seek to optimise their existing property investments or release equity for further acquisitions. Our comprehensive approach ensures each property investment aligns with your broader wealth accumulation strategy.

Yes, TekFin regularly assists international clients and non-resident investors seeking to acquire Australian property investments. Foreign investment in Australian real estate involves additional regulatory considerations, including Foreign Investment Review Board requirements and specific lending criteria that many traditional lenders cannot accommodate. We maintain relationships with specialist lenders who actively lend to non-residents and understand the unique documentation requirements, including overseas income verification and currency considerations. Our team provides guidance on FIRB approval processes, stamp duty implications for foreign purchasers, and ongoing tax obligations for non-resident property investors. Additionally, we assist expatriate Australian citizens returning home and temporary residents seeking to establish property investments during their Australian residence period. Each international client receives tailored advice reflecting their specific residency status and investment objectives.

TekFin operates on a professional fee structure that reflects the sophisticated nature of our clientele and the complex financing solutions we provide. Our remuneration typically comes from commissions paid by lenders upon successful loan settlement, meaning our interests align directly with securing appropriate financing for your requirements. For certain complex transactions, such as large commercial acquisitions or development finance, we may charge professional consulting fees to cover the extensive research and negotiation involved. All fee structures are clearly outlined and agreed upon before commencing any work on your behalf. We believe in complete transparency regarding our remuneration and will discuss our fee structure during initial consultations. This approach ensures you understand all costs involved whilst recognising the value we provide through our specialised expertise and extensive lender relationships in securing optimal financing solutions.

Absolutely. TekFin possesses extensive expertise in Self-Managed Superannuation Fund property financing, which represents a significant component of our service offering to high net worth clients. SMSF property lending involves complex regulatory requirements and specific compliance obligations that demand specialist knowledge and experience. We work exclusively with lenders who understand SMSF legislation and can accommodate the unique borrowing restrictions that apply to superannuation funds. Our team guides clients through the entire process, from initial strategy development to settlement, ensuring all transactions comply with Australian Taxation Office requirements and superannuation regulations. This includes understanding limited recourse borrowing arrangements, property valuation requirements, and ongoing compliance obligations that SMSF trustees must maintain throughout the loan term.

Absolutely. Tax-effective loan structuring represents a crucial component of our advisory service for high net worth clients and sophisticated investors. TekFin works closely with your accountants and tax advisers to implement lending structures that optimise your tax position whilst achieving your investment objectives. This includes advice on appropriate entity structures for property ownership, debt allocation strategies, and loan packaging options that maximise tax deductibility. We understand how different loan structures interact with negative gearing benefits, capital gains tax implications, and trust distributions. Our expertise extends to more complex arrangements such as unit trust structures, corporate borrowing entities, and cross-collateralisation strategies that can enhance tax efficiency. However, we always recommend obtaining independent tax advice from qualified professionals to ensure any loan structure aligns with current taxation legislation and your specific circumstances before finalising financing arrangements.

Documentation requirements for high net worth clients often differ significantly from standard loan applications due to complex income structures and substantial asset portfolios. TekFin typically requires comprehensive financial statements, including accountant-prepared tax returns, profit and loss statements, and balance sheets for any business interests. For investment income, we collect rental schedules, dividend statements, and trust distributions. Asset documentation includes property valuations, share portfolios, superannuation statements, and details of other investments. Given that wealthy clients often have multiple income sources, we may require additional documentation such as partnership agreements, company financials, or trust deeds. Our team works closely with your accountant and financial advisers to ensure all documentation accurately represents your financial position whilst maintaining confidentiality throughout the application process.

TekFin operates as a specialist finance broker exclusively focused on high net worth individuals and investors, which fundamentally shapes our service delivery model. Unlike traditional brokers who handle standard residential loans, we possess deep expertise in complex financial structures including self-managed superannuation fund lending, commercial acquisitions, development finance, and sophisticated investment strategies. Our team understands the unique challenges wealthy clients face, such as managing multiple income streams, complex asset structures, and tax-effective borrowing strategies. We maintain relationships with specialist lenders who cater to affluent clients and can accommodate non-standard income verification, substantial loan amounts, and intricate security arrangements that typical lenders may not consider.