Debt Management
Debt is part of life for most Australians. Whether it’s a mortgage, credit card, personal loan, or business finance, what matters is how it’s managed.
At FMS Group, we help clients get clear on what they owe, reduce interest and fees where possible, and make debt part of a smarter, long-term financial strategy.
How We Help
Feeling overwhelmed by debt, or unsure what’s “good” or “bad” debt? You’re not alone. Many of our clients come to us looking for guidance, clarity, and a way forward.
We’ll work with you to:
- Review your current debts, interest rates, and repayments
- Create a clear repayment strategy tailored to your goals
- Consolidate or restructure loans where appropriate
- Explore refinancing options with trusted lenders
- Identify tax-deductible vs non-deductible debt
- Align debt repayments with your broader financial plan
Our Debt Management Services
- Personal debt reviews and repayment strategies
- Home loan and investment loan structuring
- Debt consolidation and refinancing
- Business lending guidance
- Strategic use of debt to build wealth
- Liaison with lenders and support with applications
Protect What Matters Most
Poorly managed debt can eat away at your income and your peace of mind. But used wisely, debt can be a powerful tool. We’ll help you understand the difference, and put a strategy in place that supports your financial future.
As part of a full-service team, we can also integrate your debt strategy with tax planning, cash flow, investments, and wealth creation advice.
Take control of debt, and use it to your advantage.