Restructuring
Consolidate, restructure and move forward with clarity.
Overview
A relief loan consolidates multiple existing obligations into a single, manageable facility — simplifying your financial position and often reducing the overall cost of debt. Our approach is private and non-judgmental. We work directly with you and, where appropriate, alongside your advisors to design a structure that stabilises your situation and creates the breathing room to pursue your next objective.
What's included
Repayment schedules are built around your expected cash flow, not a standard template. We adjust term length, payment frequency and structure to suit your position.
Repay early at any point without penalty. If your circumstances improve, you are free to redeem the facility ahead of schedule.
We lend against the quality of the security, not your credit profile. Previous defaults, CCJs or adverse credit history are not a barrier to a facility.
Where monthly servicing is not practical, we can roll interest into the facility, eliminating the need for regular payments during the loan term.
Your situation is handled with complete discretion by a single dedicated relationship manager. No call centres, no credit committees, no exposure.
The process
01
Speak with our team about your existing obligations, the assets available as security, and what you are trying to achieve. There is no obligation at this stage.
02
We design a facility that consolidates your existing obligations into a single loan with terms structured around your situation — including interest roll-up if needed.
03
Once terms are agreed, we can facilitate direct settlement of existing obligations on your behalf, or release funds for you to manage directly.
04
Your relationship manager remains available throughout the facility period. If your circumstances change, we will work with you to adjust the arrangement.
Common questions
Can't find the answer you need? Speak with our private client team directly.
Client outcomes