Discover how Navigator Broking has helped Melbourne families and professionals overcome complex financial challenges and achieve their property and financial goals.
When Standard Policies Don't Match Reality
Mark*, a successful entrepreneur, approached Navigator Broking with what seemed like an impossible situation. After 18 months of running his technology consulting firm, his business had experienced exceptional growth—revenue had tripled in just six months, and he'd secured several multi-year enterprise contracts.
Despite this success, Mark faced a frustrating reality: he wanted to purchase his dream family home valued at over $10 million, but every traditional lender had the same response.
Rather than accepting the standard "no," I leveraged Navigator Broking's relationships with private banking divisions across Australia's major financial institutions. This wasn't a case for residential lending—it required the sophisticated assessment capabilities that only private bankers possess.
I worked with Mark to present a complete picture of his financial position, including:
I approached private banking teams at NAB Private Wealth, CommBank Premier & Private, ANZ Private Banking, Westpac Private Banking, and Macquarie Private Bank with Mark's unique situation.
The key breakthrough came when one of the private bankers agreed to assess Mark's serviceability using:
After extensive negotiation and financial analysis, we secured approval for Mark's home purchase loan exceeding $10 million. The private bank recognised that Mark's situation didn't fit standard residential policy boxes but represented a sound lending proposition when assessed holistically.
Loan Approved
Months in Business
Private Banks Approached
Success Rate
This case exemplifies why complex financial situations require specialist expertise. While other brokers would have simply referred Mark to wait another 6-12 months, Navigator Broking's private banking relationships and complex structuring experience opened doors that seemed permanently closed.
Client Impact: Mark was able to secure his family home without waiting another year, capitalizing on both the property opportunity and his business momentum. The private banking relationship also opened doors for future business banking needs as his company continues to scale.
How Strategic Planning Saved Over $500,000
Sarah and Mark* came to me in what can only be described as financial overwhelm. Like many Australians, they had accumulated debt across multiple sources over the years – nine separate facilities to be exact. Credit cards, personal loans, car finance, and their home loan were scattered across different lenders, each with different payment dates, interest rates, and terms.
The couple had fallen into a common trap – using credit cards to manage cash flow gaps, only to find themselves paying minimum amounts that barely touched the principal. Late payment fees had started appearing on statements, adding insult to injury.
Our first step was to gather every statement and document. I know this can be confronting for clients, but you can't create a roadmap without knowing where you're starting from.
Separate Debt Facilities
Total Debt (exc. home loan)
Average Interest Rate
Monthly Minimum Payments
After reviewing their complete financial position, I identified an opportunity. Sarah and Mark had significant equity in their Melbourne home, steady employment, and despite their debt challenges, had never missed a mortgage payment.
The bank approved the consolidation, and the transformation was immediate:
Interest Saved
Extra Monthly Cash Flow
Years to Debt Freedom
Simple Monthly Payment
This case highlights something I see regularly – Australians struggling with multiple debts, avoiding the problem, and hoping it resolves itself. The stress impacts relationships, career performance, and overall wellbeing.
But here's what many people don't realise: if you own property in Melbourne's strong market, you may have options you haven't considered. The key is having someone review your complete financial picture and identify opportunities that aren't immediately obvious.
The conversation that changed everything for Sarah and Mark started with a simple phone call. Sometimes the hardest part is just picking up the phone.
Real feedback from real clients who've achieved their financial goals
"Santino made the impossible possible. After being rejected by 3 banks, he secured our $1.2M medical professional loan in just 2 weeks."- Dr. Sarah Chen, Specialist Surgeon
"Three banks rejected me because of my variable consulting income. Santino found a lender who specialises in self-employed professionals. Not only did I get approved for $850K, but the rate was competitive."- Marcus Thompson, IT Consultant
"We went from drowning in debt to having $550 extra each month. The stress relief alone was worth it, but saving over half a million dollars long-term has changed our family's future."- Sarah & Mark, Melbourne Professionals
Every complex financial situation has a solution. Book a confidential strategy call to discover what's possible for your unique circumstances.
*Client names changed for privacy. Results vary based on individual circumstances.