Grace Cartledge can support Business Owners and Self-Employed Clients with a structured review of their existing lending arrangements. Based on the Surf Coast, Grace works with clients across Geelong, Bellarine, Armstrong Creek, Ballarat, Golden Plains, Bendigo, Heathcote and Regional Victoria.

Refinancing is often considered in terms of interest rates or loan terms. As circumstances change over time, loan structures that were appropriate when originally established may no longer align as well with how a business or household now operates.

For Business Owners and Self-Employed Clients, refinance considerations often extend well beyond rate and loan term. Lender servicing methodologies, treatment of business income, exposure limits, security arrangements and ongoing credit review requirements can all influence future borrowing capacity and flexibility. These factors may become particularly relevant where additional property purchases, business expansion or changes in income are being considered.

A strategic loan review focuses on understanding existing lending arrangements before any consideration is given to change. This involves looking at how current loans are structured, how lenders assess income and ongoing commitments, and how those arrangements interact with other lending held by the client. A refinance is not assumed or automatic, and in some cases, retaining existing facilities may be appropriate.

As a Finance Broker, Grace supports clients by reviewing existing business and personal lending holistically, rather than focusing on individual loans in isolation. This approach is intended to help clients understand how their current lending position may affect future options.

If you are a Business Owner considering whether your current Property lending arrangements still support your position, contact Grace to arrange a no-obligation conversation.