Loan structuring can be used for one or more advantage including:

• Debt recycling to accelerate wealth creation and repayment of bad debt by creating good debt.
• Debt Elimination options – prioritising the repayment of bad (non – tax deductible) debt
• Possible renting of current owner occupied property in the future, thereby converting bad debt into good debt and therefore maximizing the associated future tax benefits
• Not cross-securitising more than one security (property) per loan/mortgage where possible to minimise exposure.
• Creating automated sweep options and full use of interest minimisation techniques within the loan and banking structure
• Factoring in of future equity and investment needs and retirement goals, including wealth and income targets
• Future proofing potential cash flow needs without impacting loan repayments/commitments.