Keeping The Investment, Building The Dream Home: A Sheldon Knock Down Rebuild Story

Every now and then a client story reminds us exactly why we do what we do. This one came to us through word of mouth, a referral from another happy client who'd seen us solve a tricky finance puzzle of their own. When a couple we'll call Mary and John found us on a local trade recommendation page, we had no idea just how much we'd end up helping them with.

Mary and John had spent years lovingly renovating their investment home in Cooloola Cove. It was beautiful, and it was time to move on. They listed it for sale and waited. And waited. Twelve months on the market, and still no offer that matched what the home, and their years of work, were worth. To their credit, they held firm. They knew what it was worth and weren't willing to budge, and we think that's exactly the right call when you've put that much of yourself into a property.

At the same time, they had a bigger dream in motion: a full knock down rebuild on their own home in Sheldon. And to make things more interesting, they were both self employed, which meant their finance situation needed a lender who genuinely understood how self employed income works, not just one who could tick a box.

Then Came The Curveball

Just as things were moving along, a contract on their investment property fell through at the last minute. That sale wasn't just about the numbers on paper, they were counting on those funds to buy a caravan to live in while their Sheldon home was being rebuilt. Suddenly the plan they'd been building had a hole right through the middle of it.

This is where the real work started. Our job wasn't just to find a loan, it was to find the right solution for two people who were juggling a lot at once. Mary and John were clear on what mattered most to them: they wanted to keep their investment property, but not at the cost of their knock down rebuild going ahead.

Building The Plan

We got to work pulling together their most recent financial statements, and took the time to really understand their business and their personal circumstances properly, not just the figures on a page. From there we matched them with a lender who ticked both boxes we needed: genuinely strong with self employed home loans, and equally capable when it came to construction loans, because we knew we'd need both for part two of this journey.

Their caravan loan was quietly eating into their cash flow, so we folded that into a debt consolidation restructure to free things up. We then submitted refinance applications across their existing Liberty and ANZ loans. Along the way, Mary and John also wanted to add one another onto the titles of their homes, so we helped coordinate that too.

The first loan came back approved, with flying colours.

Part Two: The Knock Down Rebuild

With the foundations in place, it was time for the main event. We cloned the application, told the lender their story properly, the same way we'd told it to ourselves at the start, and the construction loan for the Sheldon knock down rebuild was approved. No questions asked.

Mary and John kept their investment property, eased their cash flow, and got the green light on the rebuild they'd been dreaming about. Nothing had to be sacrificed for anything else.

This is what we mean when we talk about the value of good brokering. It's not just about finding a lender. It's the story, the strategy, and the plan built around what actually matters to the people in front of us.

If you're juggling more than one financial goal at once and aren't sure how to make them all work together, we'd love to help you find the plan that fits. Make an Appointment

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