How the Finance Division and the Financial Advisers work together

The greatest tool you have for wealth creation is your income. Coming in a close second is your borrowing capacity. Without an understanding or your borrowing capacity you are limited to using your surplus cash flow every month to save for your future. While this will limit your losses it will take a lot more time to grow your wealth.

By refinancing and restructuring your debts where appropriate our Finance Division helps your Adviser achieve the following:

1. Free up equity in assets such as your home.

2. By consolidating your debts it's likely that your total loan repayment amount will be considerably less, freeing up additional surplus cash each month.

The additional equity and extra surplus cash can then be used for wealth creation strategies.

Finance should be the first port of call for most Members. Whether your Adviser is looking at a better structure for the lending, the consolidation of debt, or looking at your maximum borrowing capacity, a finance needs analysis is required.

Your Adviser can use this information to devise a plan and work backwards. What we mean by working backwards is that quite often your maximum borrowing capacity will be more than your cash flow will cover.

Your Adviser will look at cash flows for both property and shares, depending upon your individual situation, and work on a strategy that fits both your borrowing capacity and your surplus cash flow.

Speak with our Finance Manager on freecall 1800 804 296 about this in more detail, or make a time online now.