Mortgage Calculators

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Refinancing — client stories

Anonymised client stories from Guaranti Group under refinancing — what the family faced, what we did, and how it turned out.

5 stories

Multi-property financingRental incomeDebt ratios$140K Income, Yet a $300K-Plus Mortgage Was Still Stalled — Rental Income and the Right Lender Made the DifferenceBy documenting the client's genuine occupancy and rental plan, incorporating eligible rental income and matching the right lender policy, the team helped him retain his townhouse and purchase a second property.Read the story Family loanNo current employment incomeOffshore assetsWith No Current Employment Income, How Did a Couple Refinance a $1.3M Family Loan with a Bank?The team organized the clients' local property, rental income and offshore assets, matched an appropriate high-net-worth review path and converted the $1.3M family loan into bank financing.Read the story $200–300K in card debt and a spouse off work — restructuring the household income, a $1.25M refinance completedThe team restructured the borrowing, and a $1.25 million refinance was approved — clearing the card balances in one move.Read the story Declined by the major banks over a low credit score — a year of rebuilding, then a transfer at a stronger rateAfter a year of steady payments and a rebuilt credit profile, the mortgage moved to a major bank at a more competitive rate.Read the story Every bank said no to a $1M title transfer — a low-LTV private loan at about 5% got it doneA private loan of $1 million at around 5% completed the transfer and the family's property restructuring.Read the story

Other topics

Pre-construction8 Cross-border5 Bridge financing4 Credit challenges4 First home3 Self-employed3 Retirement2 Newcomers1

Cases are anonymized and drawn from real client situations.

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