Client Case Study
From From Crushing Repayments to Cash Flow Freedom
WhiteStar Finance & Conveyancing — More Than Just Home Loans
How a smart two-stage refinance transformed a family’s cash flow and gave them their life back.
These long-term WhiteStar clients run a family business and had been managing well until several tough post-COVID years created major cash-flow strain. To stay afloat, they took out a high-cost short-term business loan elsewhere, added to multiple small debts, and were juggling a home loan repayment of $6,500 per month. One partner even had to work outside the business just to keep up.
They needed a home loan refinance and full restructure to protect their credit score, regain cash flow and support the business before the pressure escalated further.
The Challenge: Urgency with Financial Pressure
The short-term business loan felt like the right move at the time, but once repayments kicked in, the loan structure became unsustainable. Combined with their home loan and smaller debts, it created a financial load that even a recovering business couldn’t support.
Key pressure points included:
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Home loan repayments at $6,500/month
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A high-cost external short-term business loan
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Multiple smaller debts
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One partner working outside the business to keep payments current
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Rising risk of missed payments impacting their credit score
They didn’t need another temporary fix — they needed a refinance to improve cashflow and a long-term strategy to get them out of survival mode.
Our Approach
Stage 1 — Stabilise Cash Flow
Kelly restructured their lending to remove the high-cost business loan and consolidate smaller debts into a sustainable long-term home loan structure.
This reduced their repayments from $6,500 to $2,232/month, giving them more than $4,200 in monthly cash-flow relief.
This early action also protected their credit score and positioned them for better lending options later.
A Turning Point
Months later, a lender changed its policy. Because Kelly remembered their situation and could see how much their cash flow had improved, she contacted the clients to re-check a few details. They now qualified under the new policy, opening the door to an even better refinance.
Stage 2 — Stronger Pricing + Cash Out for Business
Kelly refinanced them again into a standard home loan with sharper pricing, cleared their $510/month car loan, and secured $50,000 cash out for business needs, including a tractor.
Their new repayment became $2,445/month, still more than $4,000/month better than when they started.
Client Review
“Kelly worked her butt off to get us refinanced from a loan that was crippling us. Kelly worked through every obstacle that came her way, and with Kat backing her right through to settlement they are a formidable team. They are your go-to for any challenging situations. They have just completed another refinance for us allowing us to buy a car and a tractor. We can’t thank them enough for giving us our life back. 2025 has been great but 2026 will be our best.”
Why This Story Matters
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This case shows how the right refinancing strategy can:
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Improve cash flow
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Protect your credit score
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Consolidate debts
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Reduce financial pressure
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Provide cash out for business growth
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Create long-term stability
For many business owners, the right structure — and a team who monitors lender policy changes — can completely change their financial future.
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How WhiteStar Supports Clients through ups and downs.
If you’re feeling cash-flow pressure, stuck with a high-cost loan, worried about your credit score or needing business funds or equipment WhiteStar Finance & Conveyancing can step through your options.
The right structure can change everything.
Chat with a WhiteStar Mortgage Broker today.
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