The Power Of Having A Lending Specialist In Your Corner

SEPTEMBER 2026

When we think about building personal wealth, our attention often turns to investments, superannuation and the assets we accumulate over time.

But there is another side to the equation: how effectively we manage debt.

The interest you pay, the way your loans are structured and how quickly you are able to reduce debt can all have an impact on your longer-term financial position. And, just as investment decisions benefit from expertise and regular attention, so too can lending decisions.

For McQueen Group Head of Lending & Senior Finance Broker, Shuro Shome, that is where the real value of having a lending specialist in your corner lies.

There is more to lending than finding a good rate

With a wide range of lenders, products, rates, features and lending criteria available, finding a loan can appear relatively straightforward. However, finding the right lending solution is often considerably more complex. As Shuro puts it, “the devil is in the detail”.

A lending specialist brings knowledge of the market and an understanding of how different lenders assess applications, structure their products and respond to different client circumstances.

Importantly, that expertise isn't only about knowing what to do. Experience can be equally valuable in understanding what not to do.

The lowest advertised rate, for example, won't necessarily represent the best outcome for every borrower. Loan features, flexibility, fees, structure and longer-term objectives all need to be considered alongside the headline rate.

This is where Shuro sees considerable value in managing the complexity. Rather than expecting clients to navigate all those variables themselves, his role is to understand what they are trying to achieve, work through the detail and help identify an appropriate way forward.

Sometimes the best outcomes are the ones you don't notice

One of the challenges with demonstrating the value of good lending advice is that the outcome can feel intangible. When your lending is structured appropriately and working as it should, you may simply get on with life.

Behind that simplicity, however, can be considerable work: researching the market, comparing lenders, assessing different structures and understanding how seemingly small differences could affect the client over time.

The benefit may ultimately be a better rate, greater flexibility, a more appropriate loan structure or an opportunity to repay debt sooner. It can also simply be the peace of mind that comes from knowing someone with experience has done the work and considered the options on your behalf.

Recently, we reviewed a client's home loan structure and found they were paying a significantly higher interest rate than necessary. They hadn't had a chance to review their rate for a number of years. By refinancing to a more competitive solution and restructuring their lending, we were able to reduce their repayments and put them on a path to paying off their debt sooner, creating a meaningful long-term financial benefit.

Getting the loan is only one part of the equation

A competitive loan today will not necessarily remain competitive indefinitely. Interest rates change. Lenders change their offers. Property values move and, importantly, clients' own circumstances and financial goals evolve.

That’s why it is worthwhile revisiting lending periodically rather than taking a set-and-forget approach.

There can be a natural reluctance to shop around. Changing lenders can seem difficult, particularly when an existing loan appears to be working perfectly well. But staying with the same lender without reviewing your options can sometimes mean paying more than necessary, often referred to as the 'loyalty tax'.

A lending review doesn't automatically mean refinancing or changing lenders. Sometimes the best outcome may be negotiating with an existing lender; at other times, there may be a stronger alternative available.

For Shuro, meaningful improvements are what matter most. A reduction in the interest being paid, a better structure or an opportunity to direct more money towards reducing debt can make a difference over time.

Lending as part of the bigger financial picture

This is where lending connects back to building wealth. Growth isn't always about finding the next investment or generating a higher return. Sometimes it comes from making what you already have work more effectively.

Reducing unnecessary interest, paying down debt sooner and ensuring your lending continues to support your broader goals can all contribute to a stronger financial position over time.

Having a lending specialist in your corner also means you don't need to become an expert in the lending market yourself. You have someone who understands the complexity, can explore the options and help you make an informed decision when an opportunity or need arises.

At McQueen Group, lending sits alongside the broader financial picture. Whether you are considering a property purchase, reviewing existing debt or simply wondering whether your current lending is still competitive, a conversation with Shuro can be a useful place to start.

When was the last time you reviewed your lending?

If it has been some time, or your circumstances have changed, there may be opportunities to make your lending work harder for you. Book a complimentary call with Shuro to discuss your personal situation. 

This article is general in nature and does not constitute legal, tax, or financial advice. Please consult your professional adviser for guidance specific to your circumstances.

 Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement (PDS) or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold).