The answer isn't always to borrow. We help you organise your finances and choose the path that makes sense for you, with a clear head rather than fear.
We get to know your goals, income and commitments.
We look at your debt-to-income ratio and where there is slack or strain.
Consolidate loans, renegotiate, wait or go ahead, with the pros and cons of each.
We give you the information to decide with confidence. The choice is always yours.
We help you see the full picture before you take on a commitment.
We look at your debt-to-income ratio and at what you can comfortably afford.
If the best decision is to do nothing right now, we tell you so.
As with everything we do, the advice costs you nothing.
No. We are a credit intermediary and we help with credit decisions and financial organisation. For tax or legal matters, we refer you to the right professionals.
No. Sometimes the best decision is to wait, consolidate or renegotiate. Our role is to give you the information, not to push you into a loan.
Nothing. The advice is free for you.
Tell us what you need. The Guru studies your situation, compares the partner banks and tells you, with numbers, what makes sense for you. It's free.