Debt Restructuring
We can help you restructure your debts to improve cashflow.
Debt Restructuring:
Align your loans with your fnancial goals.
If your current loan structure isn’t working for you, it may be time to reassess and optimise your finances. At PlanMyMortgage.com.au, we help you restructure your debts to improve cash flow, reduce interest costs, and create a financial strategy that aligns with your goals.
How debt restructuring works:
Review your current loans:
We assess your existing mortgages, personal loans, credit cards, and other debts to identify opportunities for better structuring.
Refinance or adjust your loan terms:
By refinancing to a lower rate, extending loan terms, or consolidating high interest debts, we help reduce monthly repayments.
Reallocate debt efficiently:
We help separate non-deductible (personal) debt from tax deductible (investment) debt to maximise financial benefits.
Increase flexibility & loan features:
We ensure your loans have features such as offset accounts, redraw facilities, or flexible repayment options to better suit your financial needs.
Improve long-term financial position:
A properly structured loan strategy can help you manage repayments effectively while freeing up funds for savings or investments.
Why restructure your debt?
- Reduce monthly repayments and interest costs.
- Increase cash flow for other financial priorities.
- Create a more manageable and sustainable repayment plan.
- Optimise debt structuring for tax advantages (where applicable).
If your current loan setup no longer fits your lifestyle or financial objectives, we can help you restructure it for better efficiency and long-term success. Get in touch today for a free debt restructuring consultation!
Why work with us?
- Access to a panel of over 60 lenders and tailored loan solutions.
- Strategic advice to optimise your home finance during life changes.
- A streamlined process to reduce stress and ensure a smooth property transition.
If you’re ready to take the next step in your homeownership journey, let us help you secure the right loan for your upgrade or downsize. Book a free consultation today!
Meet
Andrew Drummond
"The Mortgage Strategist"
We know buying your first home is a big step, and we’re here to make it easier. Let’s get started, book a free consultation today and take the first step towards homeownership with confidence!
