How we helped a St Kilda couple upgrade before they sell

Background

First impressions drive real estate success, upgrades and staging can significantly boost sale prices. However, funding these improvements upfront can be costly and time-sensitive, especially when clients are also managing existing mortgages or business debts.

Let’s take a closer look at the loan scenario:

Property location: St Kilda, Victoria
LVR: 35.98%
Loan amount: $2,784,000
Loan purpose: Refinance and Cosmetic improvements
Loan term: 12 months

Our Objective

To help clients:

Access funds for value-adding cosmetic upgrades before selling
Refinance existing home and business loans into a single facility
Eliminate monthly repayments during the loan term
Sell on their timeline for maximum profit

Our Solution

A 12-month bridging loan provided:

Upfront funds for premium renovations (staging, landscaping, art transport)
No monthly repayments, freeing cash flow for strategic improvements
Six months for upgrades + six months to sell—no rushed decisions
Debt consolidation (residential + business loans) for simplicity