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Debt Structuring & Debt Management
Tailored Lending Solutions for Residential, Commercial & Development Needs
At Squared Financial Solutions, we believe debt should be a tool — not a burden. Whether you’re purchasing your first home, growing your property portfolio, funding a commercial asset, or embarking on a development project, having the right debt structure in place is critical to maximising your financial outcomes and minimising unnecessary cost or risk.
Our advisers provide strategic, personalised advice to help you structure your borrowing in a way that aligns with your goals, cash flow, and long-term investment plans.
Our Lending Services Include:
Residential Lending
Whether you’re a first home buyer, upgrader, or investor, we help you:
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Choose the most suitable loan structure (fixed, variable, split, or interest-only) -
Access competitive rates from a wide panel of lenders -
Compare principal and interest vs interest-only strategies -
Optimise redraw, offset, and repayment features -
Review refinancing opportunities to save on interest and fees -
Assess debt consolidation options if managing multiple loans
Commercial Lending
We support business owners and investors seeking funding for commercial property or business-related purposes, including:
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Office buildings, warehouses, medical suites, and retail spaces -
Owner-occupied and investment commercial loans -
Lease doc, full doc, and low doc options -
Longer loan terms and interest-only periods for cash flow optimisation -
Strategic structuring to preserve business liquidity -
Collaborative work with your accountant on trust/company borrowing structures
Property Development Finance
For clients undertaking small to medium-scale developments, we offer end-to-end support in securing:
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Land acquisition loans -
Construction finance and progress drawdown facilities -
Joint venture lending and mezzanine finance -
Feasibility reviews and funding structuring -
Pre-sale requirements and valuation guidance -
Lender introductions and negotiation support
Why Structuring Matters
A poorly structured loan can limit your flexibility, increase your tax liability, and cost thousands in unnecessary interest. We focus on:
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Aligning loan terms with investment goals and timelines -
Maximising tax deductibility (where applicable) -
Preserving cash flow for other investments or personal use -
Providing flexibility for future refinancing, redraw, or exit strategies -
Ensuring clear separation between personal, investment, and business debt
Ongoing Debt Management
We don’t stop once your loan settles. Our team will review your debt regularly to ensure:
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Your structure remains competitive and fit for purpose -
You’re taking advantage of market changes (e.g. rate drops or product updates) -
Your repayments and cash flow are tracking toward your broader financial goals
Let’s Make Your Debt Work for You
Whether you’re managing personal debt or planning your next property project, we’re here to help you borrow smarter and with confidence.
Contact Squared Financial Solutions today to schedule a consultation and discuss a tailored debt strategy that suits your needs.
Get In Touch
Have a question or comment?
Submit your details and we’ll be in touch.
Phone
Email
contactus@squaredfinancial.com.au
Address:
14/20 Commercial Rd Melbourne VIC 300
