Strategic refinancing for investment properties

Restructure your lending for maximum efficiency

Leverage market dynamics
for the best lending terms

Your investment property’s loan should evolve with the market and your changing needs. As economic conditions shift and your property portfolio grows, your original loan terms may no longer be serving you as well as it should.

Restructuring your lending is a powerful tool for boosting your investment’s profitability. Even a small change in interest rates can lead to thousands of dollars in savings over time, improving your cash flow and your overall financial position. It’s a savvy move to maximise your returns and create a smarter investment strategy.

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward.
No two applications are the same – we will tailor a solution to your unique situation.

Customised loan options

We work closely with you to design personalised refinancing plans, focusing on improving cash flow and securing better terms, reduced monthly spend, and gaining substantial long-term savings.

Experienced loan advisors

Our team of experienced loan advisors have an in-depth understanding of current market trends and can provide personalised guidance to help secure the best possible loan terms for you.

Wide range of lenders

We have access to a vast network of lenders offering refinancing home loans. As a result, you get more loan options to choose from and increase your chances of getting approved.

Update your lending to suit
your investment strategy

Restructuring your investment property loan can be a game-changer. It offers the flexibility to adapt your financing to both market conditions and your investment goals.

  • Secure more favourable interest rates, reducing your financing costs.

  • Adjust your loan term to optimise cash flow.

  • Consolidate debts to streamline your financial management.

  • Switch between interest-only and principal-and-interest options to suit your strategy.

  • Access equity for further property improvements or portfolio expansion.

Get the funding you need in 4 simple steps

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Ready to transform your finances?

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

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