Restructure Debt. Release New Potential
A sophisticated investor, rising costs, and a lender falling short. See how Evercrest reshaped this high-net-worth portfolio—unlocking equity, cutting interest by over 1%, and securing new funding without compromise.
1.00
Debt Cost Reduction
A high-net-worth investor with a 10+ property commercial and residential portfolio—fully tenanted, with residual stock from past developments—was stuck with rising costs and a lender that just couldn’t help them. Enter Evercrest. We didn’t just refinance; we improved their entire debt structure.
We delivered over 1% in annual interest savings, released surplus security, and secured a flexible new facility to fund a family property purchase. The result? Lower borrowing costs, improved cash flow, and a funding strategy designed to unlock growth and restore confidence.
Challenges
Pricing Shock
Client’s bank increased rates after switching to interest-only, without justification.
Service Gap
Delays and poor support from the bank left the client feeling neglected.
Limited Expertise
Limited banker capability and appetite created a dead end for the client —without a network to alternatives.
What Did Evercrest Deliver?
Significant Interest Savings
Achieved a 1.00%+ p.a. reduction in overall borrowing costs.
01
Unlocked Equity
Negotiated the release of surplus security, improving financial flexibility.
02
Additional Funding Secured
Arranged a cash-out facility to support a family member’s property purchase.
03
“Glad we were referred to Evercrest. They helped us refinance our property portfolio without the usual runaround. The interest savings and flexibility made a real difference for us, and they navigated the process better than anyone we’d worked with before. Solid outcome—we’ll be back when we’re ready to make our next move.”
Unlock What's Possible
This case shows how the right debt strategy can unlock savings, improve flexibility, and open new opportunities—even for experienced investors. If your funding feels stale or your lender isn’t delivering, now’s the time to talk. Reach out to Evercrest today and discover what’s possible with a smarter debt solution.