Would you rather retire at 55 than 75?
Wondering how you'll afford that vacation?
Saving up for your dream home?

Debt Planning

Your DEBT PLAN is about LEVERAGING your money.

Its also about improving your current debt situation, and looking for ways to use leverage properly in conjunction with your income plan to accumulate wealth.

Here we are looking at your personal debt and your investment debt. And again we are looking at the strategies that can improve your situation.

We analyse whether you are accessing the lowest cost debt secured against your home and your investment properties? Or are you accessing higher cost debt through margin loans, personal loans and credit cards? Are you using offset facilities? Do you have a line of credit? Are you paying principal & interest, or interest only? Are your interest rates fixed or variable? What is your loan to value ratio? How aggressively are you invested at the moment? Maybe it's too aggressive or maybe it's not aggressive enough?

And if you went to the bank today how much money could you borrow from them, given your asset position and your income position.

So we structure your debt in the best way to achieve your objectives and we implement that.

Specialist Services

How else we can help you

CENTRA WEALTH Pty Ltd (ABN 39 158 802 450) holds an Australian Financial Services Licence (#422704) issued to it by ASIC. It trades as CENTRA PRIVATE WEALTH, CENTRA SECURITIES and CENTRA WEALTH ACADEMY. CENTRA MONEY Pty Ltd (ABN 96 167 497 305) is a Credit Representative (#452523) of an Australian Credit Licence holder (#389328) and trades as CENTRA MONEY. Collectively the above are known as "The CENTRA WEALTH Group".