Turning a complex investment structure into a smarter financial position.

After 15 months of frustration trying to restructure his existing home and investment loans, Mr Jolley was understandably sceptical about whether IMFS could deliver a better result. Like many investors, his portfolio had grown over time, but his lending structure had become increasingly complicated and wasn’t delivering the benefits he wanted.

After reviewing his situation, Jeremy Wealleans, IMFS Director of Partnerships & Finance Solutions, developed a strategy that delivered three key outcomes:

1. Protecting the family home

We reviewed the value of Mr Jolley’s investment properties which had increased sufficiently, allowing us to remove the family home being used as a loan security. As a result, the home title is now unencumbered providing greater flexibility and improved asset protection moving forward.

2.  Improving the investment loan structure

We negotiated with his existing lender to transition his investment loans to interest only repayments from principal & interest, enabling Mr Jolley choice as to where he directed the freed-up funds.

3. Improving monthly cashflow

The restructure improved cashflow by approximately $1,800 per month, allowing Mr Jolley to increase the repayments to his home loan – potentially reducing his remaining loan term from 10 years to 5.

This outcome not only strengthened Mr Jolley’s financial position but also restored his confidence that the right advice and lending strategy can make a real difference. Most importantly, he valued the clear communication, transparency and commitment shown by Jeremy and the IMFS team throughout the process.

Mr Jolley came to IMFS through a recommendation from a satisfied Perth client. We’re grateful for the trust our clients place in us and proud to help more people achieve their financial goals..