February 6, 2017

Debt Management

The use of debt and effective debt management is an extremely important aspect of any financial strategy.  Debt can be a beneficial tool to help accelerate the accumulation of wealth. But it can also lead to a number of problems along the way. By minimising the level of non-tax deductible debt that you hold and effectively using tax-deductible debt, you can potentially increase your income and capital gains and reduce your tax liability.

One should remember, however, that the use of debt to help accelerate your wealth creation can be a double edged sword, magnifying both gains and losses.

There are many forms of borrowing available from credit cards and personal loans to debt used for investment or financing business operations such as equipment finance, mortgages, lines of credit and margins loans. Each form of loan has its own characteristics and the structuring of each has its own investment and tax consequences.

Through our strategic alliance partnerships, your UGC adviser will help you find the most appropriate loan available for all your financing needs. Types of loans available include:

  • Home loans
  • Investment loans
  • Commercial loans
  • Development loans
  • Business loans
  • Car leasing/CHP/Chattel Mortgages
  • Personal loans

Each type of loan can be sourced from a panel of lenders including the major banks and a number of non-bank lenders.

Your adviser will help you structure your debts tax effectively, manage and reduce your non-deductible debt, manage the risks associated with using debt and source the most appropriate form of finance for you.