How Can Debt Management Help?
Debt can make it harder to build savings, invest or plan for the future. As repayments grow or spread across multiple loans, they can affect your cash flow, limit financial flexibility and make it challenging to achieve other goals. This is where debt management can help.
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The Benefits of Taking Control of Your Debt
Reducing debt can create opportunities to build the future you want. A structured debt management strategy provides a clear plan, helping you make informed decisions and support your long-term goals.
Consolidating eligible debts into a single repayment can make your commitments easier to manage. We can also identify refinancing opportunities and negotiate better loan terms to help reduce interest costs and repay debt sooner.
Managing debt can feel like a lot, but you don’t have to figure it out alone. Our debt advisory is practical, supportive and focused on helping you create lasting stability. The goal is to help you achieve financial freedom and build a stronger credit profile over time.
Debt advice is tailored to your income, expenses and circumstances, giving you a realistic timeline that reflects what you can comfortably afford while keeping your long-term goals in sight.
Your financial advisor provides ongoing guidance to help you make informed borrowing decisions, strengthen your budgeting habits and create more opportunities to contribute towards your retirement savings as your debt reduces.
Your financial advisor continues to work with you as your circumstances change, helping you make informed decisions and improve financial health. As your position improves, you can start directing more towards your retirement savings and other long-term priorities.
Our Approach to Debt Management
Getting started
Intro call
Reviewing Your Debt Position
Developing Your Strategy
Your strategy
Putting Your Plan Into Action
Ongoing Reviews
LET'S TALK
Financial Planners and Mortgage Brokers
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or call us on 0401 944 713
What’s Included in Debt Management?
Your debt management strategy is tailored to your income, expenses, existing commitments and goals. That means you receive a practical plan that helps you reduce debt effectively while supporting stronger financial habits.
What’s typically included:
- Review of your income, expenses, debts and repayment commitments
- Debt consolidation or refinancing to improve your debt structure
- Negotiating with lenders to secure more suitable loan terms
- Tailored repayment strategies with ongoing reviews and adjustments
What’s generally not included:
- Investment or wealth creation advice outside the agreed scope
- Tax return preparation, accounting or legal services
- Loan approvals, which remain subject to lender assessment
- Insolvency matters or international debt issues requiring specialist advice
Understanding the Cost of Debt Management
Getting help with debt management shouldn't add to the pressure you're already facing. We begin with a complimentary introductory call, followed by a Discovery Meeting where we take the time to understand your financial position, existing debts and the outcomes you're looking to achieve.
If you choose to proceed, we'll prepare a Statement of Advice (SOA) outlining our recommendations, the reasoning behind them and the steps involved before any work begins. Our debt advisory is provided at no cost to eligible clients and is funded through approved partnerships, so there are no hidden fees or commissions.
For clients who continue with ongoing support, we'll review your strategy as your circumstances change. Regular reviews help identify new opportunities, refine your approach over time and keep your plan aligned with your long-term goals.
Our Locations and Availability
Rising Tide Financial helps Australians take control of their debt, whether you're managing personal finances, supporting your family or running a business. While we're based in Melbourne, we provide debt advisory to clients in Sydney, Brisbane, Perth and Adelaide through remote consultations. If you're ready to take control of your debt, schedule a chat with our team today.
There's a Better Way to Manage Debt
Managing debt doesn't have to be something you figure out on your own. The right debt management strategy can reduce financial pressure, improve your options and help you make the most of your income over time. With more than 500 Google reviews, AFSL authorisation and multiple industry awards, Rising Tide has earned the trust of Australians looking for practical, personalised advice.
As your financial position improves, new decisions and opportunities naturally follow. Our team can also provide guidance on inheritance tax and negative gearing, helping you plan for what's next. Book a consultation and let's discuss the right approach for your circumstances.
Frequently Asked Questions
Please read from our Frequently Asked Questions. If you feel stuck, feel free to schedule a chat.
What types of debt can be managed through your service?
Our debt management advice can help with a wide range of personal debts, particularly unsecured lending such as credit cards and personal loans. Depending on your circumstances, we may also review home loans and other lending arrangements to identify ways to improve your overall debt structure.
How long does it typically take to set up a debt management plan?
Every situation is different, so the timeframe depends on your financial circumstances and the complexity of your debts. After your initial consultation, we’ll review your income, expenses and existing lending before preparing recommendations tailored to your needs
If refinancing or lender negotiations are involved, the timing may also depend on your lender’s assessment. We’ll keep you informed at every stage and work to make the process as straightforward as possible.
Will using your service affect my credit score?
Debt management won’t affect your credit score on its own. Some recommendations, such as refinancing or applying for a new loan, may involve a credit enquiry by a lender. A well-managed repayment strategy can improve your credit health over time by helping you reduce outstanding debt and stay on top of repayments.
What should I do if my financial situation changes after starting the plan?
Get in touch with us as soon as you can. Whether your income, expenses or personal circumstances have changed, we’ll review your plan and recommend any adjustments needed to keep your repayments manageable.
Why should I consider working with a financial advisor for debt management?
Debt affects more than your monthly repayments. That’s why it’s worth paying for a financial advisor in Australia who can review your overall financial position, improve your borrowing structure and recommend practical strategies that support your long-term goals.
How can I ensure that my payments are manageable within my budget?
It starts with understanding what’s realistic for your circumstances. We’ll review your income, living expenses and existing commitments before recommending a sustainable repayment strategy. As your circumstances change, your plan can be adjusted to keep your repayments manageable while you continue working towards your goals.
What support do you offer if I encounter difficulties during the repayment process?
If you’re finding repayments harder than expected, let us know as early as possible. We’ll take the time to understand what’s changed, review your options and, if appropriate, work with your bank to explore a better way forward. Our role is to help you stay on track through practical guidance and ongoing support.
Testimonials
Ed & Emily Curnow
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Amanda Vallis
Great team! Sam Jewell was especially helpful in getting my finances sorted. As a business owner & young family, we feel in safe hands.
Rebecca D – Lawyer, Mum & Business Owner
You're right. Here it is: I came to Rising Tide after a marriage breakdown. Good income, very little to show for it, and a belief I just wasn't…
Nick Graham
Former Australian rules footballer Nick Graham discusses his Rising Tide journey.
