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Finance Tip of the Week with Stephen Dullens

By Rachael Vrana

Structuring your Borrowings

Are you structuring your borrowings in the most effective way?

Generally, financial institutions will charge higher interest for smaller or unsecured loans (such as personal or car loans for an individual or unsecured overdrafts for a business) verses larges loans such as a business loan or mortgage.

Often, consolidating loans can bring many benefits – not only can this save you interest and bank fees but will also be convenient by having all of your borrowings in the one place, often making it easier to manage.

Structured the right way, this can also be tax effective…very important with June 30 just around the corner!

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