0480 026 588

Services

Cashflow management.

Loans structured to ease the monthly budget, with offset accounts, split loans and repayment options that fit your income.

Book a free consultation Call 0480 026 588
Scroll down for more info

How we can help.

The way your loan is set up can make a real difference to your monthly budget. These are the tools we most often use to help clients manage cash flow.

Offset accounts

Every dollar in your offset reduces the interest you pay, while the money stays available when you need it.

Best for: Borrowers with savings or a regular income.

Split loans

Fix part of your loan for certainty and keep part variable for flexibility.

Best for: Borrowers who want stable repayments without losing flexibility.

Repayment frequency

Weekly or fortnightly repayments can line up with your pay and reduce interest over time.

Best for: Anyone paid weekly or fortnightly.

Loan term options

A longer term lowers repayments, while a shorter term saves interest. We'll help you find the balance.

Best for: Borrowers whose income has changed.

Interest-only periods

Lower repayments for a set time can ease pressure during a busy period, such as parental leave. You'll pay more interest overall.

Best for: Borrowers expecting a temporary dip in income.

Consolidating debts

Rolling several debts into one repayment can make the budget simpler and cheaper.

Best for: Borrowers juggling multiple repayments.

Things to consider.

A few things worth weighing up before you decide.

  • Your full budgetLook at all your income and expenses, not just the loan, so the structure fits real life.
  • Rate changesLeave room in your budget for rates to rise. Test your repayments.
  • Offset savingsSee how much your savings could save you. Try the offset calculator.
  • Fees and featuresPackaged loans with offsets can carry annual fees, so check the saving outweighs the cost.

Not sure which option suits you?

Book a free, no-obligation chat. We'll look at your situation and compare options across our lender panel.

Book a free call 0480 026 588

This page provides general information only and doesn't take into account your objectives, financial situation or needs. It isn't credit, tax or financial advice, or an offer of credit. Lender criteria and fees apply and can change. Speak with a Kingdom Capital broker for advice tailored to you.