It is in your moments of decision that your destiny is shaped.” – Tony Robins

Can you afford to live on less than $450 a week when it barely covers the average mortgage repayments or rent? 2.4 Million Australians are living on the Age Pension, but it might not be too late to change your destiny.

Follow in the steps of our many successful, wealthy investors who used good debt to eliminate bad debt and created wealth through property investment whilst minimizing risk to achieve financial freedom.


Most of us have experienced debt through simple purchases we have paid back with interest. Examples include: credit card debt, store cards, car loans and home loans.

Although debt can have a negative perception with the general public, debt can be a great tool for achieving something which is not normally achievable under ordinary circumstances.

Good debt

“Good debt” is when you borrow to invest or purchase something that will increase in value, produce income and contribute to your overall financial wealth and health.

Bad debt

“Bad debt” is when you use debt to fund items that decrease in value and are not income producing. Examples would include: car loans, consumables and holidays. There are no financial benefits. They may be unavoidable but should be well controlled and financed sensibly.

Prioritising Debt

It is important to have a clear understanding of which category your debts fall into, good or bad, then further prioritise those with tax deductable interest, other costs, and wealth building potential.

Manage Debt

Most home-loans are 25-30 year terms. However, should they take that long to pay-off?

Is there a smarter way to utilise tax deductable “good debt”, to eliminate your home loans quicker when property prices double so regularly? Of course there is. We can show how to do this and increase your financial safety at the same time.

Find out more, speak to a consultant today!


  1. MOTIVATION – If you want to improve your financial situation, you must be motivated to do so.
  2. STRUCTURE – It’s important to plan your financial affairs in a structured way that helps you keep sight of the big picture
  3. APPLICATION – You can have all the motivation and structure in the world, but unless you apply what you learn, your efforts will be futile.

Property Investment should be treated like a Business, not an Emotion.

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