08/10/2026
We welcome our co-host for today's lunch at Cafe Sydney, Pratik.
Picture this in three years. The rates did what rates do. You still own everything you own now. The repayments never forced a decision, the kids are in the school you moved for, and the equity has kept doing its work in the background.
That version is not about picking the right suburb or timing the market. It is about whether the loan underneath it all was built to carry you through the part where rates move.
Most are not. Most were built for the day they were approved and never looked at again.
The gap between where you are now and that version is usually one review. Loan structure, property position, equity position. Then rebuilding them so the cash flow holds.
A client came to me covering the shortfall on two loans out of savings, being told to sell one. We restructured both. He got $21,000 a year back, kept both properties, and his daughter kept her school. Three years from now he will still own both. That was the whole point.
You need to know what your structure is actually costing you. Book a twenty minute loan structure review and I will show you the gap.
I spent 15 years inside NAB, Westpac and Commonwealth Bank, working with more than 350 clients.
Now at Aries Lending, we've helped more than 100 clients.
★ ★ ★ ★ ★ “I called him late one evening, explained exactly what I wanted to achieve and the goals I had for my family, and from that moment he took ownership and made things happen.”
-Kelly Costa
★ ★ ★ ★ ★”If I could give more than 5 stars, I would. Pratik and his team have been amazing in allowing us to explore our options in order to build a solid property portfolio. He explained to us quite exhaustively how we can invest smart as well as look out for the best rates for us in the market.”
-Denise Dawn Russell
If you want to learn more about structuring loans to build equity through property portfolio and also managing cashflow, call Pratik on 0425 391 121