Optimising Debt Structures Effective debt structuring supports long-term financial goals. Mortgage brokers assist by refinancing for better rates, consolidating debts, and recommending loan features—such as offsets or redraws – to maximise benefits. For example, offset accounts can reduce interest while maintaining tax deductibility for investment purposes, unlike redraw facilities. Enhancing Borrowing Capacity Mortgage brokers provide access to a diverse range of lenders, where borrowing capacity can vary significantly based on lender policies and individual circumstances. This variety of choice allows brokers to identify the best lender for each client’s unique…