Flexibility
No two borrowers are the same, which is why flexibility is at the heart of everything we do at Structrd.
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With access to a broad range of lenders and loan products, we take the time to understand your goals and match you with a solution that fits your circumstances today while remaining adaptable for tomorrow.
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Whether you're purchasing your first home, refinancing, investing, or expanding your business, we'll help you find a lending structure that supports your evolving needs.
Tax Effectiveness
Our Philosophy
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The way your lending is structured can have a significant impact on your long-term financial outcomes.
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At Structrd, we work alongside your accountant and financial adviser where appropriate to help ensure your lending strategy aligns with your broader financial objectives.
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By considering factors such as ownership structures, cash flow management, and debt allocation, we help position you to make informed borrowing decisions that support a more tax-effective approach to wealth creation.
Borrowing Capacity
Maximising borrowing capacity isn't simply about securing the largest loan possible—it's about understanding how different lenders assess income, expenses, existing debts, and future commitments.
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Our expertise across a wide panel of lenders allows us to identify opportunities that may not be available through a single bank.
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By comparing lender policies and structuring your application strategically, we help you put your best foot forward and unlock lending solutions that support your property, investment, or business goals.
The Structrd Framework
Step 1 - Discover
Every great strategy starts with understanding your story. We take the time to learn about your goals, finances and future plans so we can build a lending strategy that supports where you're headed—not just where you are today.
Step 3 - Secure
Once we've agreed on the right strategy, we manage the application from start to finish. We liaise with lenders, handle the paperwork and keep you informed every step of the way to achieve the strongest possible outcome.
Step 4 - Settle
From unconditional approval through to settlement, we coordinate every moving part to ensure your finance is completed efficiently and without unnecessary stress.
Step 5 - Evolve
As your life and wealth grow, your lending strategy should too. We provide ongoing reviews and proactive advice to ensure your finance continues to support your broader financial goals.
Who We Help
Our clients value advice, strategy and long-term thinking.
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We work with:
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Busy professionals
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Business owners and self-employed borrowers
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Property investors
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First home buyers
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Families upgrading or refinancing
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SMSF trustees
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Commercial property purchasers
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Whether you're financing your first property or your fifteenth, our advice is tailored to your unique circumstances and goals.
Why Choose Structrd?
Choosing a broker isn't just about gaining access to more lenders—it's about choosing someone who understands how lending fits into your broader financial picture.
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At Structrd, we combine technical lending expertise with strategic thinking to help you make confident financial decisions.
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You can expect:
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Personalised lending strategies tailored to your goals
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Access to a broad panel of leading lenders
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Clear, honest communication throughout the process
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Collaboration with your accountant, financial planner and solicitor where appropriate
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Ongoing support well beyond settlement
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Because great advice doesn't end once the loan is approved.
Meet Rick & Yas
Structrd was founded by husband-and-wife duo Rick and Yas with one simple belief: lending advice should create opportunities, not just approvals.
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We take the time to understand where you’re trying to go—whether that’s buying your next home, growing your property portfolio, or structuring finance around your business goals. Our approach is about creating lending strategies that give you flexibility today while positioning you for future opportunities.
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You’re not just another loan application at Structrd. We build long-term relationships with our clients, providing clear advice, proactive support and a lending strategy that evolves as your circumstances change.
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Rick brings experience across finance, financial planning and mortgage broking, helping clients make informed decisions around their lending structures and broader financial goals. Yas brings her expertise in brand, design and customer experience, ensuring every interaction is simple, professional and centred around you.
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Together, we’re here to make finance feel less complicated and help you make confident decisions about your financial future.