Finance and Debt Management
If you get your debt right, financial security will follow.
That’s why we make debt management a key part of your financial plan. It is one of the first things we look at for all of our clients.
Debt touches most things that we do. Few of us buy homes without taking on a mortgage, and even fewer can afford to make an investment without any debt.
But it is not just this ‘big debt’ that matters. There are other types of debt as well. Who doesn’t have a credit card (or three)? Or a car loan? Or even a HECS debt that needs to be repaid? Managing these debts properly adds significantly to your ‘bottom line.’ When you save money on debt repayments you free yourself up to move forward somewhere else. The money you save can be used to make extra super contributions, to seed an investment, to upgrade your home or just to do something nice like take a holiday or eat out a little more often.
And it is not just a matter of minimising interest. We help you ensure that your loans are structured properly, so that you can optimise everything else that debt touches. This includes things like tax deductibility, asset protection, repayment prioritisation and personal maintenance.
We can also provide credit services to organise home loans, investment loans, reverse mortgages, LRBA loans for SMSFs, credit cards and all other forms of debt. Our credit services are all provided under the authority of a licenced credit provider within the Australian Credit Licencing System.
Relevant Articles...

$35 is $35!
Research shows that people are more interested in saving a large percentage on a cheap purchase than they are in saving a small percentage on an expensive purchase. This can lead them to waste both time and money, and can also be expensive when it comes to big ticket items like home loans.

Could you live on $2 a day?
Entrepreneur Elon musk spent his first month in the United States living on $1 a day. He was 17 years old. Obviously, this discipline did wonders for his personal financial planning. Other people have taken on a similar challenge and report much the same thing. This article shows what we can learn from their experience.

2017 has not been very interesting
2017 has been a year of low interest - record low interest rates, that is. But record low prices don’t last forever. Interest rates will rise again. In the meantime, make 2018 your year of repaying non-deductible debt. That might make it your best year ever.

Positive Gearing. What is it, how does it happen and do you want it anyway
In property investing positive gearing is where the rent received exceeds the interest on money borrowed to finance the purchase. You often hear about positive gearing – especially from people with a property they want you to buy! But is positive cash flow property actually worth pursuing? The answer depends on what is creating the positive cash flow situation. Sometimes, these factors combine to make positive gearing a wonderful way to reduce risk. But at other times, the factors creating the positive gearing can make an investment very risky indeed. This article shows you how to tell the difference.