Why Restructuring Lending Can Be Just as Powerful as New Lending

Sometimes the smartest financial moves aren’t about borrowing more — they’re about structuring what you already have in the right way.

We recently worked with a client who had received accounting advice suggesting that moving some of their existing lending into a company name could help them claim interest deductions against their investment property. It’s a smart strategy, but like any good plan, it needed the right lending structure to back it up.

Here’s how we helped:

• Step 1: Understanding the full picture
  Our client already had lending in their personal name for both their home and investment property. The home loan was with BNZ, and the investment property needed to shift into a company structure to make the most of tax benefits.

• Step 2: Exploring lender options
  We approached both BNZ and Westpac to see what options were available. Because the ownership structures were going to be different, it made sense to consider having the properties with separate banks to keep things clean and clearly separated.

• Step 3: Making the move
  While both banks offered options, Westpac stood out as the best fit. We were able to refinance the existing amount using the investment property as security — no increase in debt, just a more strategic setup.

The result? A tidy, tax-efficient lending structure with the investment lending now held in the correct entity, giving our client peace of mind and aligning everything with their long-term financial goals.

Why this matters
Restructuring isn’t just about paperwork — it’s about making your money work smarter for you. Whether you’ve had accounting advice, are growing your property portfolio, or just want to check that your lending is still fit for purpose, we’re here to help you figure it all out.

If you’re unsure whether your current lending setup is working as well as it could be, let’s talk.