Client Case Study

When It’s Complicated, We Don’t Back Down – A Refinance That Cleared Debt, Freed a Title & Saved $4,000 a Month

At WhiteStar, we don’t just process applications—we solve problems. That’s why clients like this one come back to us years later. Even when the situation is complex, we take it personally and work until we find the right solution.

Here’s how Maria and the team helped a long-time client consolidate debt, avoid selling everything, and reclaim their financial peace of mind.

The Situation

  • A valued long-term client who had previously refinanced with us

  • Running a seasonal business with unpredictable income

  • Two existing mortgages

  • A reverse mortgage secured against a deceased parent’s estate

  • Large ATO tax debt

  • Council rate arrears

  • Personal loans and multiple credit cards

  • No poor credit history, but the application was far from “neat” for most lenders

The client was facing immense pressure. There was fear around selling the family home or their business to keep up. It was a race against time—and the market.

The Solution

Our senior broker Maria took the reins. With years of experience and strong lender relationships, she knew how to tidy up the situation.

  • Carefully reviewed each debt and obligation

  • Identified a small group of lenders who understood more nuanced scenarios

  • Worked tirelessly with multiple lenders over several weeks

  • Used expert positioning of the application to highlight the client’s strengths

  • Secured a deal that not only consolidated every debt, but did far more…

The Outcome  

  • All debts consolidated: tax debt, personal loans, credit cards, rates, current mortgage and the reverse mortgage

  • One of the property titles was released—now free and clear

  • Monthly repayments reduced by nearly $4,000

  • Client kept both their home and business

  • Surplus funds received after settlement

  • Plan in place to revisit interest rates and potentially refinance again for even better terms

Our client was “ecstatic.” After weeks of anxiety, they could breathe again. No more high-interest debts. No more juggling repayments. Just clarity, structure, and a solid path forward.  Client Review

This is why our brokers love what they do. Complex doesn’t scare us—it motivates us.

Thinking About a Refinance? Don’t Wait for Perfect

Your financial situation doesn’t have to be tidy for us to help. If life has thrown curveballs, or if you’re simply unsure where you stand, let us review it.

We may be able to help you reduce your repayments, consolidate your debts, or just simplify your finances—without giving up the things you’ve worked so hard for.

Chat with a WhiteStar Mortgage Broker today.

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