Debt Management

Not All Debt Is Bad. But Some of It Is Costing You More Than You Realise.

Most high-income professionals carry debt that isn’t structured well, isn’t working for them, and is quietly dragging on their ability to build wealth. Track Wealth reviews how your debt is held and builds a strategy to make it work harder.

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Sound familiar?

I have equity built up in my home and I know I should be doing something smarter with it, I just don't know what.

I own investment properties but I'm not sure if the debt is structured in the most tax-effective way.

I earn well but after the mortgage, the investment loans, and everything else, I feel like I'm barely getting ahead.

What We Do

A Debt Strategy That Reduces What You Owe and Builds What You Own

There is good debt and bad debt. Good debt funds assets that grow in value or generate income. Bad debt funds consumption and costs you tax-ineffectively every single month. Most people carry a mix of both without ever having had someone look at how it’s all structured. Track Wealth reviews your full debt position, identifies what’s costing more than it should, and builds a strategy to pay it down in the right order while redirecting capital toward wealth-building.

For many clients, the biggest opportunity is debt recycling: a strategy that converts non-deductible personal debt into tax-deductible investment debt, effectively making the mortgage work toward your financial goals rather than against them.

  • Debt review across home loans, investment loans and personal debt
  • Debt recycling strategy to convert bad debt into investment
  • Equity release strategy for property owners
  • Loan structure review for tax effectiveness
  • Coordination with your accountant and mortgage broker
  • Integration with your broader investment and retirement strategy
Our Debt Management Services

Debt Strategies That Do More Than Just Pay Things Down

We look at how your debt is structured, what it's costing you, and how it can be redirected toward building serious wealth.

Debt Review and Restructure

Debt Recycling

Equity Release Strategy

Investment Property Debt Strategy

Paying Down Debt in the Right Order

Want to know if your debt is costing more than it should?

Let's take a look. Book a Consultation
Our Process

How We Approach Debt Management

Map Your Full Debt Position

We start by understanding every loan you hold: the balance, the rate, the structure, and how it’s treated for tax. Most clients have never seen it all laid out in one place before.

Identify the Opportunities

We identify where debt is costing more than it should, where equity could be put to work, and where a restructure or recycling strategy could make a meaningful difference to your overall position.

Build Your Strategy

We develop a clear debt strategy integrated with your investment and retirement plan, coordinate with your accountant on the tax treatment, and work alongside your mortgage broker where refinancing is involved.

Implement and Review

We implement the strategy and review your debt position as part of your annual financial review, adjusting as your loans are paid down, your circumstances change, and new opportunities emerge.

Find Out If Your Debt Is Structured the Right Way

In one conversation we can review how your debt is held, identify what it’s costing you, and show you what a better strategy could look like.

Start Building Your Strategy
Who We Work With

You Have a Mortgage and Equity You Know You Should Be Using

You’ve been paying down your home loan for years. The equity is there. But it’s sitting idle while you continue paying non-deductible interest on a loan that isn’t working for you financially.

For high-income earners with surplus cash flow, debt recycling is often one of the most impactful strategies available. It doesn’t require a higher income or a bigger investment budget. It requires the right structure and someone to build it properly.

  • Debt recycling strategy built around your home loan balance and cash flow
  • Investment portfolio funded through recycled equity
  • Tax deductibility created from what was previously non-deductible debt
  • Integration with your broader investment and super strategy
See If We're the Right Fit
Who We Work With

You Own Investment Properties and Your Debt Isn't Structured Correctly

Investment property debt that isn’t structured properly costs you in tax deductions, limits your borrowing capacity, and can complicate a future sale. Most property investors have set up their loans without advice on the tax and structuring implications.

Track Wealth reviews how your property debt is held, identifies what can be improved, and coordinates with your accountant and mortgage broker to make sure the structure is working as efficiently as possible.

  • Investment loan structure review for maximum deductibility
  • Separation of deductible and non-deductible debt
  • Equity release strategy for the next property purchase
  • CGT planning ahead of any future property sale
See If We're the Right Fit
Who We Work With

You Earn Well But Feel Like You're Not Getting Ahead Fast Enough

A high income is an advantage. But without a debt strategy that prioritises the right repayments and redirects surplus cash flow toward wealth-building, the mortgage just slowly shrinks while the opportunity to build something meaningful in parallel is missed.

We work with high-income professionals to make sure every dollar of surplus cash flow is doing the most productive thing possible: paying down bad debt, funding investments, or building super.

  • Cash flow mapping to identify surplus available for debt reduction
  • Prioritised debt repayment strategy across all loans
  • Redirection of debt savings into investment or super contributions
  • Regular review as loans are paid down and capacity grows
See If We're the Right Fit
Who We Work With

You Sold an Investment Property and Want to Redeploy the Capital Correctly

Selling an investment property puts a significant amount of capital back in your hands. How you redeploy it, and how quickly, has a major impact on your tax position, your future wealth, and your retirement timeline.

One of Track Wealth’s clients paid off over $400K in non-deductible debt using proceeds from a property sale, grew their spouse’s super from $99K to over $250K in two years, and bought a new investment property the same year. The difference was a clear strategy executed well.

  • CGT planning ahead of or immediately following a property sale
  • Non-deductible debt clearance strategy using sale proceeds
  • Reinvestment strategy across super, shares and property
  • Coordination with your accountant on the tax treatment of the transaction
See If We're the Right Fit
Why Track Wealth

We Don't Just Look at Debt. We Look at How It Fits Into Your Whole Financial Picture.

Debt strategy that sits in isolation rarely delivers the best outcome. The most effective approach comes from understanding how your loans connect to your tax position, your investments, your super, and your retirement timeline, then making decisions that improve all of them together.

Track Wealth takes a coordinated approach. We work with your accountant and your mortgage broker to make sure the strategy is consistent, the tax treatment is correct, and the implementation is clean.

Coordinated With Your Full Strategy

We don’t look at debt in isolation. Every decision we make considers the impact on your tax, your investments, your super, and your retirement timeline.

We communicate directly with your accountant and mortgage broker so the advice is consistent and the implementation is clean.

We review your debt position annually and flag opportunities as they arise: falling interest rates, growing equity, or changes in your borrowing capacity.

Not every debt strategy is right for every client. If debt recycling or equity release doesn’t make sense for your situation, we’ll tell you.

Testimonials

What Our Clients Say

“We’ve referred several clients to Track Wealth for their financial planning needs and the feedback has been consistently excellent. The level of care, clarity, and professionalism shown to our clients has been outstanding.

It’s clear that Leigh takes the time to genuinely understand each of his clients’ goals and provides thoughtful, strategic advice tailored to their situation. We have complete confidence referring clients knowing they’ll be well looked after.”

Dean M

“We came to Leigh with a specific set of objectives including tax minimization, travel, estate planning, cashflow management, superannuation strategy but most importantly a goal to retire within the next three years. Well he knocked it out of the park, all boxes ticked. He has strategically dealt with each objective, delivered on his promises, communicated effectively and often enough. I have seen two other financial planners in the past and neither were worth old salt Leigh has changed my previous perceptions he will go far.. We endorse him wholeheartedly.“

Craig Pratt

“Leigh worked with us for almost a year, sorting out the transfer of our Kiwisaver to our Australian Super accounts, and supporting our insurance plans. It all took much longer than it should have been, only due to our significant delays in completing tasks. He was patient with us, clear, and advocated for us when needed. I highly recommend Leigh for personal, professional service.“

Micaela Bascand-Rae

“Leigh worked with us for almost a year, sorting out the transfer of our Kiwisaver to our Australian Super accounts, and supporting our insurance plans. It all took much longer than it should have been, only due to our significant delays in completing tasks. He was patient with us, clear, and advocated for us when needed. I highly recommend Leigh for personal, professional service.“

Rajiv De Alwis