A doctor and a school teacher already owned an investment duplex we’d financed for them — secured at an exceptionally competitive rate that would be near impossible to replicate today. They wanted to buy again without giving that rate up.
The next purchase meant threading several needles at once: keep the low rate on the existing loan, find enough capacity for the new property, meet a tight settlement deadline, and structure it all for the long term. Refinancing the lot would have solved capacity — at the cost of that irreplaceable rate.
Losing the rate to fund the next purchase would have been a false economy.
Two lenders, one strategy
Rather than refinance and lose the rate, we built a two-lender structure on debt recycling principles. We accessed equity from the existing property through its current lender — leaving that low-rate loan untouched — then sourced a second lender with stronger servicing and competitive pricing for the new lending. Splitting the debt across both kept the benefits of the old loan while funding the new investment purchase, with offset accounts and low LVRs built in.
They bought inside the deadline, kept their exceptional rate, and ended up with a cost-effective, flexible portfolio structure — room to move on the next opportunity when it comes.