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Book a FREE consultation
and receive your complimentary eBook

Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

    What areas of financial planning are you looking for advice on?

Book a FREE consultation
and receive your complimentary eBook

Get started with a free strategy consultation and receive a copy of the Good Fortune Guide – written by James McFall, Managing Director Yield FP and 2020 National Finalist Certified Financial Planner of the Year to help educate you on your Financial Plan.

Tailored debt management strategies with regular reviews will ensure your debt structure is helping you achieve your financial goals.

Managing debt
To Build Wealth

Often when people think of debt there is a negative connotation, however not all debt is the same. Using debt management strategies as part of a methodical and well considered financial plan can, over time, have a positive impact on your financial situation.

 

For example, when you borrow to invest you are bringing forward your ability to buy larger investments like property and this can increase your investment return. There are tax benefits as well, as you can claim property expenses like interest payments. Of course borrowing compounds losses too, so it is important you choose investments well and this is why financial advisors are so well placed to provide the debt management advice you need.

 

Get Started

DEBT MANAGEMENT PLAN

Don’t DIY
Your debt strategy

The importance of a proper debt management plan cannot be overstated. Often people may seek to arrange their own debt through their preferred financial institution without giving regard to whether this institution is well placed to assist them. Lending criteria and policy varies significantly across lenders which means that the terms on which a lender may provide funds to you varies as well.

 

At Yield, all of our mortgage brokers are also trained as financial advisors, adapting your debt management strategies to your financial plan and tailoring financial advice for your goals and circumstances. This means they have the education and experience to look at your debt structure requirements through a holistic lens, and navigate lender policy to ensure that the debt management strategies we recommend for you are not only provided on a competitive basis, but also complement your broader financial plan.

Debt Strategy Considerations

Better structure, better results

Fixed or variable

Basic or package

Offset or redraw

Debt reduction

Principle and Interest or Interest Only

Using equity to invest

Debt recycling

Single security or cross collaterisation

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Your Financial Advisor with Yield will consider these factors and help you with debt Management Strategies that make sense for you.

I could not recommend Yield Financial Planning and their team enough. I have been working with Jake Frend from exchange of contracts to settlement of my off-the-plan apartment and he exceeded all expectations. I felt so supported throughout the process and Jake went above and beyond to make sure he found the best mortgage option for me and that it met all my needs. As a first homebuyer I was a bit naive to the process and the importance of long term financial planning. However, Jake took the time to look through my finances and provide savings advice and strategies and did everything he could to keep my stress levels down. It has been a pleasure to work with Jake and I will definitely engage Yield Financial Planning again in future. Thank you so much!

Wade & Narges
Our debt structuring expertise.

Why choose Yield to assist

Choosing Yield as your mortgage broker, ensures that your debt needs are considered as carefully as every other aspect of your financial plan. Our mortgage brokers are trained to look at your financial situation holistically which means they are well placed to look at all elements of your financial plan including:

  1. Are your personal insurances appropriate given your new levels of debt.
  2. How much do your repayments need to be to pay the loan out before your transition to retirement.
  3. Have you got equity to invest.
  4. How do you help your children get into the property market.

Our team are here to help you uncover how you can make your debt and equity work as effectively for you as possible.

 

Give Us A Call

 

We’re economics nerds at heart and will help you find mortgage solutions and debt management strategies tailored to the life you want to live.

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Free Consultation

Get started with your free strategy consultation and receive a copy of the MOST IN DEMAND Good Fortune Guide – written by Certified Financial Planner of the year 2020 national finalist, to help educate you on your financial plan.