DebtSmart Options
DebtSmart® Intro
DebtSmart® is a comprehensive suite of strategies and solutions designed to help you get ahead in the way that suits you.
DebtSmart® has three options to meet your debt reduction and wealth creation needs and preferences.
Ideal for people who are mainly interested in ways of paying off their home loan or building equity for a future use. More
Ideal for people who wish to invest in property and would like advice or assistance on carrying out these investments. More
Ideal for people who want to rapidly repay their home loan, if they still have one, and build a diversified portfolio of investments at the same time. More
DebtSmart® is built around the right advice for your needs and preferences, it is not a product. Having the right loan product to carry out your strategy is important though, which is why we can also provide advice on which types of loan products you should use.
Clients needs at a glance
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| I am a first home buyer with a small deposit and want to buy a home and get ahead. |  |
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| I want to know my plans include ways to manage my budget to get ahead. |  |
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| I want access to funds for emergency purposes or lump expenses (renovations etc) | |
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| I am a home buyer with large deposit and want to buy a home and be ‘investment ready’ | |
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| I own my own home and want to build equity but I’m not ready to start investing just yet | |
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| I am close to retirement and want to pay off my home loan and other debts | |
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| I want to start investing with small amounts | |
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| I want to rapidly repay my home loan and build investments | |
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| I want to save for something special (holidays, children’s education, home renovations, | |
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| I want to invest in residential property | |
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| I want to build a portfolio of investments including shares | |
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| I want to build a portfolio of investments that includes shares & property | |
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Advice Inclusions DebtSmart® aims to help you achieve your goals by combining together essential wealth management building blocks. Each DebtSmart® strategy combines these building blocks to suit the desired outcome.
When formulating your DebtSmart® strategy we will include the following:
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| Cash Flow Plan | Structures and strategies to maximise your cash flow and repay 'bad' debt. | |
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| Low Cost, High Feature Loan Facility | The right loan and loan structures to carry out required strategies. | |
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| Personal Protection Plan | Advice to protect income, life, and mortgage | |
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| Rate Rise Analysis | Make sure you can still manage and maintain your strategy if rates go up. | |
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| Ownership & Loan Structure | Right ownership and loan structure to maximise tax efficiency. | |
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| Investment Portfolio | Investment portfolio with Growth Income Stream characteristics, if required | |
