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.
Director and Financial Adviser
Nat is a financial adviser with extensive experience in the financial advice and accounting professions.
Nat graduated from The University of Newcastle with a Bachelor of Management, Majoring in Accounting and Finance. He is also a member of the Financial Planning Association of Australia.
He has a passion for improving the welfare of our planet and people. His expertise is in environmental and sustainable investment advice. His expertise is ensuring you feel well informed and comfortable with your financial affairs. This is achieved in a way that ensures your prosperity is congruent with the greater good of humanity and the natural environment.
Nathaniel Chell is an authorised representative (325482) of Australian Unity Personal Financial Services Limited (AFSL 234459).