Refinancing

High net worth clients often hold assets and income across multiple entities, including companies, trusts, self-managed super funds, and personal names. This complexity can make standard lending assessments challenging, as many lenders are not equipped to properly evaluate these structures. At Distinct Financial, we have significant experience working with clients who have sophisticated financial arrangements. We take the time to understand how your wealth is structured and work with lenders who have the capability and appetite to assess applications of this nature. We also work closely with your accountant, financial planner, or legal adviser where needed to ensure your lending strategy is coordinated with your broader wealth management approach.

In many cases, mortgage brokers are paid a commission by the lender when a loan is settled, which means there is no direct cost to you for standard residential and investment lending. However, for certain types of complex or specialist finance, a broker fee may apply. At Distinct Financial, we are transparent about how we are remunerated and will always disclose this to you upfront before any work begins. You will receive a Credit Guide and other disclosure documents that clearly outline any fees or commissions involved. We believe you should have a full understanding of the financial arrangement before proceeding, and we are always happy to answer any questions you have about how our services are structured.

Yes, protecting your privacy is something we take seriously at Distinct Financial. All personal and financial information you share with us is handled in accordance with the Australian Privacy Act and our own internal privacy policy. Your information is only shared with lenders and third parties where it is necessary to progress your application, and only with your knowledge and consent. We understand that our clients, particularly those with significant assets or complex business structures, place a high level of trust in us when sharing sensitive financial details. That trust is something we work hard to maintain throughout every stage of our relationship with you. If you have specific questions about how your data is managed, we are happy to walk you through our privacy practices in detail.

Getting started is straightforward. The first step is to reach out to our team to arrange an initial conversation. This is an opportunity for us to learn about your situation, what you are looking to achieve, and whether we are the right fit for each other. There is no obligation involved in having that first discussion. From there, if you decide to proceed, we will guide you through the information and documentation we need to properly assess your position and begin researching suitable lending options. At Distinct Financial, we work with clients who are serious about growing their wealth through property, and we bring the same level of commitment and professionalism to every client relationship, regardless of where you are in your property journey.

Absolutely. Reviewing and restructuring existing lending is one of the most important things a borrower can do as their financial situation evolves. Over time, your circumstances, goals, and the lending products available in the market all change, and a loan that suited you several years ago may no longer be the most appropriate arrangement today. At Distinct Financial, we regularly work with clients who want to consolidate debt, release equity from existing properties, adjust their loan structures, or simply ensure their current lending is still aligned with their investment strategy. We conduct a thorough review of your existing commitments and present options that may better serve your current position, without making any assumptions about what the outcome will be.

A finance and mortgage broker acts as the link between you and a wide range of lenders, including banks, credit unions, and specialist finance providers. Rather than approaching lenders one by one on your own, a broker does the research, comparison, and application work on your behalf. At Distinct Financial, we take the time to understand your financial position, your goals, and your circumstances before recommending a lending solution that suits your situation. For self-employed individuals and high net worth clients, this process is particularly valuable because your income and asset structures are often more complex than standard employment arrangements. Having an experienced broker in your corner means your application is presented to lenders in the strongest possible way.

Self-employed borrowers often face additional scrutiny from lenders because their income can look different on paper compared to someone receiving a regular salary. Banks assess self-employed applicants using tax returns, business financials, and other documentation that can vary significantly from year to year. Going directly to a single bank means you are limited to their specific policies and appetite for self-employed lending. A broker like Distinct Financial has access to a broad panel of lenders, including those who specialise in working with self-employed clients. We understand how to present your income and financial position in a way that accurately reflects your true capacity to service a loan, giving your application the best possible chance of being assessed fairly.

The timeframe for a loan application can vary depending on the complexity of your situation, the lender involved, and how quickly documentation can be gathered and submitted. For straightforward applications, conditional approval can sometimes be received within a few business days. For more complex applications involving self-employed income, multiple entities, or larger loan amounts, the process may take longer as lenders conduct more thorough assessments. At Distinct Financial, we work proactively to keep your application moving and communicate with lenders on your behalf to minimise unnecessary delays. We will always give you a realistic expectation of timeframes upfront so you can plan accordingly, particularly if you are working towards a specific settlement date.

The documentation required will depend on your individual circumstances, the type of loan you are applying for, and the lender being approached. For most applications, you will need to provide proof of identity, details of your income, recent bank statements, and information about your existing assets and liabilities. If you are self-employed, lenders will typically require your most recent tax returns, notices of assessment, and business financial statements. For clients with more complex structures, additional documentation such as trust deeds, company financials, or SMSF statements may be required. At Distinct Financial, we will walk you through exactly what is needed for your specific application so the process is as straightforward as possible from the outset.

Distinct Financial works across a range of finance solutions to support clients who are building and growing wealth through property. This includes residential home loans, investment property loans, refinancing existing debt, construction finance, and commercial property lending. We also assist with asset finance and business lending for clients whose personal and business finances are closely connected. Our focus is on understanding the full picture of your financial situation rather than looking at a single transaction in isolation. Whether you are purchasing your first investment property, expanding an existing portfolio, or restructuring your current lending arrangements, we work with you to identify a pathway that aligns with your broader financial goals.