Debt & Banking


The banking industry offers a vast range of products aimed at streamlining and simplifying yet they only serve to increase confusion about "which one is right for me". In the case of selecting a mortgage, the choices are between fixed, variable and split loans. Adding to the complexity is the range of variations that exist for each of these choices, making the whole topic rather daunting. We provide banking and debt management advice in the following areas:

Mortgages (new loans, refinancing, debt consolidation)
Commercial loans
Term deposits
Savings and cheque accounts
Reverse mortgages


Our Solutions

At various times in your life, changing circumstances will affect your financial situation. At such times, appropriate advice is important, such as at the following times:

  • Approaching retirement
  • Staring a Business
  • Making a Career Move
  • Going from 2 Incomes to 1
  • Having a child
  • Wanting to buy your first home
  • About to enter the workforce
  • Recipient of an inheritance or a windfall
  • Separation or divorce
C J D'Cruz Pty Ltd trading as Personal Wealth Group
is an Authorised Representative of AMP Financial Planning Pty Limited
ABN 89 051 208 327 AFS Licence No. 232706
linkedin-logo