Nicole Heales

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You can’t be financial resilient with credit card debt, and you need to pay off your mortgage.


Understanding debt management is critical for wealth creation.

Debt is compounding interest that works in favour of lenders, not borrowers. You need to understand it and take control of it.

You need a plan to get rid of your credit card debt, personal loans and car loans; and a well-structured mortgage that can help you pay down your debt as fast as possible.

Together we will work how much you can comfortably borrow, taking into account how long term debt impacts your current and future lifestyle.

It can be very tempting to go for that slightly more expensive property, so you need to be very careful.

Before I arrange your mortgage we’ll consider:

  1. How property fits in with your lifestyle goals
  2. Why it is in your best interest to have a 20% deposit
  3. Loan Mortgage Insurance – who it protects and how much it costs
  4. The percentage of your income needed to repay your debt
  5. The difference between paying down debt, redraw and offset
  6. Risk management strategies should your circumstances change

I’m here to:

  • simplify the complicated
  • answer any questions you might have
  • find the right mortgage for the right amount
  • make the process as painless as possible
  • take care of everything from beginning to end for you.

Nicole Heales is a Credit Representative No. 408933 of Finsure Finance & Insurance Pty Ltd Australian Credit Licence No. 384704.

View Mortgage Broker Profile here.
View Credit Guide here.
View Lenders Panel here.

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INDUSTRY AWARDS

  • Winner – Most Influential Financial Planner 2019
  • Power50 – 50 Most Influential Advisers in Australia 2019, 2018 and 2017
  • Finalist – Female Excellence in Advice 2018 and 2017
  • Finalist – Industry Thought Leader of the Year 2018
  • Finalist – Holistic Adviser of the year 2018
  • Winner – Most Inspirational Woman in Financial Planning 2017
  • Finalist – Financial Adviser of the Year 2017 and 2016

OUR LOCATION

15 Howard Street Beulah Park SA 5067
Mobile: 0417 167 024

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Nicole Heales ABN 64 871 906 280 is an Authorised Representative of Capstone Financial Planning Pty Ltd ABN 24 093 733 969. AFSL 223135 (Authorised Representative Number 312479).

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