Debt Management

Services

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:

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:

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:

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:

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:

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

1300 346 752

Email

contactus@squaredfinancial.com.au

Address:

14/20 Commercial Rd Melbourne VIC 300