Debt Management Plan

While paying down mortgages, motor vehicle leases and personal loans are an important aspect of your debt management, so too is leveraging debt for the purpose of growing your wealth or achieving lifestyle requirements.

We open up discussions about your debt position which may include the impacts of debt on your financial position now and in the future, and how amending loan repayments can affect your immediate cash flow situation along with the impacts over the longer term.  

Our recommendations may also include designating debt for the purpose of generating income through appreciating shares, managed funds or investment properties or later in life and depending on your circumstances, the role of reverse mortgage debt for funding aged care.

Further, we can assist you to better understand debt so that you may prioritise your debts according to interest payable or implement facilities that will solve issues of liquidity by using offset accounts and re-drawing facilities.  In collaboration with your accountant, we can assist you to manage your debt and interest in a tax effective manner that is compatible with your overall financial plan.