Going beyond to secure better
We set high standards and push boundaries to achieve exceptional outcomes for our clients every time. From investing in their business, protecting their financial assets, delivering on projects to growing their prosperity, we ensure they get the right outcomes and support they need.
Leveraged finance SME business
Settled - 2025
Transaction - $6.5m
We were approached by a rapidly growing business looking to unlock debt funding for their business expansion. Through working with our trusted lender partner, we unlocked $6.5m growth funding limits to accelerate their expansion strategy.
Refinance & cash out, business owner client
Settled - 2024
Transaction - $1.2m
LVR - 60%
Our self employed client had a complex corporate structure and their request for an equity release against their property was declined by their existing bank when they approached them directly. Through our detailed policy knowledge, we got the transaction done with another lender after they sought our assistance.
Loan refinance
Settled - 2024
Transaction - $550k
LVR - 50%
Our new client believed she was potentially 'too old' to refinance her loans. We were able to understand her rental position and retirement income strategy, allowing her to refinance her loans, leave one of her properties unencumbered and sharpen her interest rate.
Residential property purchase
Settled - 2024
Transaction - $1.2m
LVR - 80%
Our sophisticated client (CEO of a startup) had approached the bank directly and was approved for $800k. This wasn't sufficient for them to purchase their new house, so we took a closer look. Through detailed policy and product knowledge, combined with an understanding of the client's unique financial situation (trust beneficiary / paternal leave position), we were able to unlock $1.2m funding and they were able to purchase their desired home. The rate we achieved for them was also superior to the $800k offer they negotiated directly with the bank.
Refinance of non bank lending to major bank
Settled - 2025
Transaction - $2.7m
LVR - 34%
Our client had completed their commercial construction project with a non bank financier, significantly reducing their risk profile. We were able to refinance loan, secured by the completed commercial property from a non bank to a major bank lender, achieving significant savings.
Property purchase while retaining investment property
Settled - 2024
Transaction - $1.2m
LVR - 80%
Our client had recently received a large bonus payment and were keen to buy a house. Through detailed product and policy knowledge, we unlocked $350-$400k higher lending limit, allowing the client to purchase their desired property. This also avoided their partner selling an investment property, they were delighted with the outcome!
Portfolio review and lending strategy, new home purchase
Settled - 2024
Transaction - $1.1m
LVR - 100%
A new client was keen to expand their property investment portfolio but was unsure how to optimally structure the loans. Through a combined equity release + 80% LVR transaction, we arranged 100% financing [inclusive of stamp duty] which created a capital and tax efficient new investment for our client. We worked directly with the client and their accountant to achieve.
Investment property purchase, no LMI
Settled - 2024
Transaction - $1.1m
LVR - 90%
We were approached by a Doctor, who already had an offer from a major bank for their investment property purchase. We beat their rate and achieved 90% LVR with no lender's mortgage insurance due to our MediCo policy knowledge. They have since referred two other doctors to us, testament to their advocacy.
First home buyer
Settled - 2024
Transaction - $350k
LVR - 80%
We assisted a first home buyer through their first property purchase. While the loan was only $350k, we achieved a sharp rate and a $3k cash back for the client which she was very pleased with. She felt that we cared and took the time to coach her through the process.
Portfolio review and lending strategy, new home purchase
Settled - 2024
Transaction - $4m
LVR - 80%
We worked with a professional couple to conduct a portfolio review and lending strategy for their new house. Through structuring cash out and interest only repayments on their existing investment properties, we were able to avoid a sale and assist them purchase their dream home. This allows them to execute on their wealth creation strategy.
$5m trade finance funding
Settled - 2024
Transaction - $5m
Our business client believed they were holding too much cash locked up in working capital, particularly inventory. Through understanding their working capital cycle, we were able to unlock $5m trade finance funding with a major bank at sharp rates. The business now has a far healthier cash flow position and can continue to grow.
Trading business purchase
Settled - 2024
Transaction - $4m
Our sophisticated professional investors were in exclusive due diligence for the purchase of a trading business. We were engaged following a warm referral from our existing client. The sponsors were impressed with the terms we delivered, a 50% debt to enterprise value leveraged transaction with attractive pricing and no personal guarantees.
$5 million Eastern Suburbs home loan
Settled - 2024
Transaction - $5m
LVR - 50%
The transaction involved a legacy private bank customer, who was unable to secure funding via their incumbent lender and had never previously utilised a broker.
For context, our high-net-worth sponsor had recently transitioned from PAYG to self-employed. As a sophisticated investor, the proposed refinance also included an equity release component which did not fit within their existing lender’s credit appetite. We secured favourable financing terms for the client with one of our trusted lender partners.
Trading business full bank refinance, Sydney
Settled - 2024
Transaction - $50m
We were engaged by a rapidly growing business who were frustrated with the lack of traction they were receiving from their incumbent bank.
Through running a full bank tender process jointly with the client’s lawyers and accountants, we opened significant growth and working capital limits, together with market leading pricing.
Western Sydney factory purchase
Settled - 2024
Transaction - $6.5m
LVR - 100%
Versatile Capital assisted a new client acquire a factory to run their business from. We negotiated 100% debt funding on the acquisition with a major bank, meaning the client could effectively transition from paying rent, to paying interest with security of tenure and the prospect of future capital growth.
Drummoyne site acquisition
Settled - 2023
Transaction - $2.8m
LVR - 70%
We assisted a high-net-worth property developer acquire a pre DA site adjacent to their existing development site, freeing up the potential for amalgamation and significant value creation. The transaction settled with a major bank at sharp rates.
Bankstown commercial property refinance and equity release
Settled - 2023
Transaction - $11m
LVR - 55%
We assisted in the refinance of a $9.1m term debt facility against an existing commercial property in Sydney NSW. The new $11m facility resulted in $1.9m cash out for the client and a margin above BBSY 0.8% sharper than their existing bank, saving $88k p.a. finance cost on a like for like basis.
Full bank refinance, trading business Northern Beaches
Settled - 2023
Transaction - $15m
LVR - 50%
We assisted a long term bank customer sharpen their term debt pricing 0.25% p.a. and release personal guarantees through opening a new corporate banking relationship. This provided cost savings of $37,500 per annum and negated the owner's personal assets being linked into the business' banking facilities.
Industrial property purchase, Perth WA
Settled - 2023
Transaction - $9m
LVR - 60%
We assisted our client settle the purchase of a new commercial property while they enjoyed their European holiday. The financing package was incredibly compelling, representing a 60% opening LVR, no personal guarantees and sharp pricing. All done with a major Australian bank.
Full banking restructure, Lower North Shore
Settled - 2023
Transaction - $27.5m
LVR - 48%
We assisted a long term property investor restructure their loans with their incumbent bank. The transaction involved multiple stages, negotiating with lawyers, accountants and property managers to ensure the new structure optimised the family's cash flow position. The net result was circa $80k p.a. finance cost saving and a more efficient corporate and lending structure.
Vacant posession commercial property acquisition, Eastern Suburbs, Sydney NSW
Settled - 2023
Transaction - $17.5m
LVR - 63%
We assisted a business owner client acquire two commercial properties, one for passive rental cash flow and the other as a new business premises. Through cross collateralisation, we were able to achieve a blended LVR of 63% with a major bank at sharp rates.