Level 3, 18 Dequetteville Terrace, Kent Town SA 5067

(08) 8362 0060

(08) 8362 0061


Debt Management Solutions

Taking out new debt or managing existing debt can be a significant burden on our budgets and this is before we shop for groceries or fill our cars with petrol. Trying to juggle repayments and living expenses can be tricky at best.

Debt management is an individual process for everyone. There are many factors which need to be considered, such as existing debt, disposable income, interest rates, or unexpected events.

Debt that may have seemed manageable before may become difficult to manage with a change of circumstances.

Owl Financial Management offers a range of debt management solutions to fit your individual needs. These include:

  • debt consolidation
  • acquiring a new mortgage
  • refinancing
  • investing
  • budget advice
  • cashflow control

It isn’t about how much you can borrow, but more so how much you can afford to borrow.

We can discuss the best options for your situation, such as changes that can be made to your existing loan/s and options to manage existing debt.*


Whether you’re looking to buy your first home, an investment property, or want to better manage your existing home loan, we can assess your needs in conjunction with your mortgage broker/bank.

Based on your specific needs, a range of suitable lending products will be identified and the most appropriate product will be recommended.*

Talk to us about a debt management solution and take control of your debt today.

Owl Financial Management is an Adelaide based Financial Planning business that provides advice to clients all over South Australia and Australia.


* We cannot advise you on whether any particular lending / credit product is suitable for your needs and I am unable to assist you to complete an application for credit

Financial Advisor Adelaide

We are an award winning practice that has been providing financial advice to South Australians since 1969. We really enjoy getting to know our clients and building a relationship with them that lasts over many years. We have a diverse range of clients from mum and dad to AFL players to ASX CEOs. All of which have a diverse range of financial advice needs and very different relationships to maintain. Our clients describe a 'breath of fresh air', personable, expert and people with high integrity. Clients have also mentioned that they are not treated as a number and the advice is specific to them. Working with clients for clients.

Financial Planner Adelaide

The one most rewarding thing about being a financial planner in Adelaide is when you have been working collaboratively with a client in developing and building their goals and objectives and the come to fruition. This give both the clients and myself a real sense of achievement and to use the famous quote 'are we there yet?' and together we can say YES! There has never been a better time to look towards what you want to achieve and start a financial plan so you can get there too.

Financial Planning Adelaide

A person's financial story is like a jigsaw puzzle... "lots of pieces needing to be put into their correct places". A financial adviser can assist a client to put the pieces in the right places by having a series of simple conversations about where a they are currently situated, where they want to be and what strategies can assist them. Every client has a different financial story and goals. Each jigsaw puzzle will always be different. A good financial adviser is experienced at putting together a wide range of jigsaw puzzles. Helping a client put their own puzzle together and seeing their satisfaction is a wonderful feeling.

Barry Phillis and Owl Financial Management Pty Ltd are Authorised Representatives of GWM Adviser Services Limited Australian Financial Services Licensee Registered Office at 105-153 Miller Street North Sydney NSW 2060 and a member of the National Australia group of companies.

GENERAL ADVICE WARNING: The advice on this site may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information.

Opinions constitute our judgment at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this document. View Terms & Conditions >