The Protector Strategy

What it is

The Protector Strategy separates "risk-on" activities from "store-of-value" assets, then uses secured, documented lending so equity is protected if something goes wrong.

You create related-party loans at commercial rates, backed by proper security—mortgages, charges, or PPSR registrations—with clean board minutes and resolution trails. Your equity sits behind enforceable documents, so one problem in the risk bucket doesn't take the whole family balance sheet with it.

When to use

• Material business risk – significant business or director-guarantee exposure that could threaten personal wealth.
• Substantial equity – you hold significant equity in your family home, investment properties, or other appreciating assets.
• Refinancing ahead – you’re planning to refinance or restructure and want protection built in.
• Reduce exposure – you want to reduce personal exposure without stopping business growth.

Risks to consider

• Tax and duty impact – CGT and stamp duty triggers plus interest deductibility rules need careful coordination.
• Lender consent – banks must consent to new security arrangements; some facilities require formal variations.
• Authority gaps – deeds, constitutions and board authorities must actually permit the transactions.
• Cash flow pressure – interest at commercial rates needs to be sustainable long term.