Refinancing OUT of a wrap,… buyer side,… who's actually done it?

Hi all,… long-time lurker, first post, and this feels like the only place in Australia where people will actually know what I’m talking about.

In 2022 we bought a house in regional NSW on a vendor finance instalment contract,… classic wrap, price marked up ~20% over the vendor’s buy price, rate 2% over an indicator, weekly payments, vendor keeps title until completion. Purchaser is a company as trustee for a family trust, protected by caveat.

Four years in, we’re ready to get out. I have the payout figure in writing (~$266k), no early completion fees, and the numbers stack,… the property’s worth comfortably more than the payout. The problem is finding anyone who’s done the exit side. Every broker I contact either goes quiet or tells me straight they’ve never seen an instalment contract. The banks have also tightened hard on company/trust borrowers since late 2025, which doesn’t help.

So my question is for anyone who’s been the buyer in a wrap and refinanced out, or the vendor whose buyer refinanced out:

1. Which broker did the deal? Names appreciated,… happy to take them by DM if you’d rather not post.
2. Which lender funded it, and did they treat it as a purchase or a refinance?
3. Any traps at settlement I should know about,… caveat handling, simultaneous transfer, duty?

I know wraps get debated on here,… not looking for a debate on the model, just the practical exit. The contract did what it said; I just want to finish it and hold the place with a normal mortgage.

Thanks in advance,… happy to report back with how it goes so the next person searching this has an answer.