WHO we help
Debt Strategies
Tailored strategies to manage, reduce, or restructure your debt for long-term financial success
Optimising your debt to build your future
Debt can be a powerful tool when managed effectively, but not all debt strategies are created equal. As an independent adviser, we provide unbiased guidance, free from product-driven recommendations, ensuring that every decision you make is in your best interest.
We help you review and restructure your home loans and investment debts to maximise tax efficiency and align with your long-term goals. Whether you’re looking to reduce debt, increase tax-deductible debt, or fund a major purchase, our strategies give you clarity, control, and the confidence to make informed financial choices.
WE CAN HELP YOU WITH:
- Reviewing and restructuring home loans for optimal efficiency
- Ensuring investment debts are structured to maximise tax effectiveness
- Developing strategies to reduce or increase tax-deductible debt when appropriate
- Providing clarity on how to reduce debt faster and achieve financial freedom
- Advising on funding decisions for large purchases like cars or investments
HOW IT WORKS
Our Simple, Proven Process to Financial Success
From discovery to action, we guide you through every step, ensuring your financial goals are within reach.
“Addi house was recommended to my mother by a friend that gave Kearsten a glowing review. I reached out to explain my mothers situation and from the outset Kearsten was professional, caring and most importantly, able to explain her advice in a manner that was easy to understand. The time and effort given and the personal touch to simplify the process to reduce the stress on mum was of the highest quality and i would highly recommend Addi House and Kearsten to anyone requiring financial guidance and support. Keep up the great work, you are amazing!”
Fabian R
Ready To Get Started?
Start your journey with a complimentary, no-obligation chat
Frequently Asked Questions
What is an offset account, and how can it help with my mortgage?
An offset account is a savings account linked to your home loan. The balance offsets the loan principal, reducing the interest you pay and helping you pay off your mortgage faster.
I want to buy a new car—what’s the best way to fund it?
We help you evaluate options like cash, car loans, novated leases or using your mortgage to fund the purchase, ensuring the decision aligns with your financial goals.
Can I use the equity in my home to buy an investment property?
Yes, we can help you understand how to access your home’s equity, assess risks, and structure the debt effectively to support your investment goals.
How long will it take to pay off my mortgage?
We analyse your current mortgage, develop repayment strategies, and provide clear timelines to help you achieve debt-free status faster.
Is it better to reduce my debt or invest surplus funds?
We evaluate your financial situation to determine whether reducing debt or investing will provide the best outcomes, considering factors like interest rates, tax implications, and your goals.
Knowledge Hub
Publications
Kearsten and Addi House Featured in FS Advice Magazine
