Solutions Based Service

Customising Solutions for Your Business Needs

Complex Business and Commercial Loan Structuring

Helping individuals and businesses with complex funding arrangements, company structures and loan requirements
Mintwell has access to a panel of lenders with differing risk appetites and funding sources to cater for the loan size and terms you require

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Loans for Trusts

A trust can be a great way to hold assets such as property or run a business and be able to distribute shareholding and funds to different members. Though a trust can offer many more benefits which is attractive for investors.

There are a couple of major benefits when it comes to seeking a loan through a trust; tax benefits and asset protection.

Tax Benefits

Trustee can distribute the trust’s income between its beneficiaries, which can allow them to minimise the mount of total tax payable for the trust. These tax discounts can then be used to pay down a loan and free up more funds faster to continue investing into its growth.

Asset Protection

Not having assets registered in a person’s (individuals) name may sound like a bad thing but can be a major benefit when looking to borrow through the trust. This is because the assets aren’t legally owned by the beneficiaries and therefore, are guarded from any liabilities and risks associated with creditors.

Take Advantage of the Added Security

Mintwell assists clients in the education and setting up of trusts where a benefit is clear.

Not all lenders offer loans to trusts, but through the right structure and management, Mintwell can assist people (trustee) and the group of people involved in the trust (beneficiaries) to take advantage of the added security.

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Business Owners With Complex Tax Affairs

Many small business owners often have differing tax affairs and requirements. Whether you are a sole trader, or have a Company and/or Trust structure, there are only a selected number of lenders available that would consider this type of income.

Most lenders are apprehensive in offering a loan to self-employed applicants as they don't always possess the financial stability a lender looks for in a borrower.

Mintwell assists clients in this space by assessing each person's scenario and understanding them and their business. We have put in place a simple application process to ensure your experience with us is seamless.

Attaining finance from the bank may seem like a daunting task that includes never-ending requests of paperwork, but at Mintwell we make sure to only deal with the most well-suited banks that resonate with each client’s financial situation to get them the best possible home loan available.

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Debt Advice at Mintwell

Mintwell offers Debt Advice to all clients as part of the foundational process and on-boarding of new loan arrangements, assessing each individual’s situation and presenting the most suitable debt solutions available, including the following.

Debt Re-structuring

Refinancing and structuring existing loans to achieve better terms, lower the repayment amounts and interest rates. We can also help capitalise a business for future growth or rebuild a business owner’s personal balance and allow cash injections into their business.

Debt Consolidation

Having multiple debts at the same time can be stressful and complicated, creating a confusing challenge of multiple repayments every month, which will likely have different interest rates, repayment amounts and due dates.

Mintwell assists clients who are finding themselves in a challenging financial situation by offering advice on consolidating all their debts. This approach allows clients to have one new loan and simplifies the repayment process as clients are left with one set of repayments to manage over a set term. This not only give clients the peace of mind knowing precisely how much and when the repayment is due, but also provides them a clearer timeline of when they will be debt free. Additionally, the consolidation process reduces the overall interest rate, giving the client greater control of their budget and cashflow.

Debt Management

Mintwell helps clients take control of their financial obligations and develop a plan to repay back debts in a systematic manner. We’ll analyse client’s debts, expenses and income to identify the most effective way to manage all debts. This gives clients the opportunity to reduce their financial burden and improve their credit score, to achieve long term financial stability.