Sometimes, either due to poor choices or life circumstances completely outside of their control, clients are left struggling with their finances. Many clients give in to the temptation of obtaining credit cards and personal loans to stay afloat. Whilst juggling debt in this way by acquiring new liabilities may seem to work in the short-term, it does more harm than good in the long term.

Approaching your broker as early on as possible to advise of financial struggles and discussing a refinance or debt consolidation is the best approach. Having your broker on your team and in your court when facing a difficult time is the best way to alleviate financial hardship