Debt optimisation

Make more of what you have.

CALIA+ is a portfolio-style credit facility that consolidates your home, investment and personal loans into one single debt facility. It gives you a clearer picture of your overall financial position, and better prepares you for opportunities that may arise in the future.

CALIA+ caters for a wide range of clients, from those looking to purchase their first home to the sophisticated investor looking to access the equity in their home and other assets. It is available to individuals, companies and trusts who wish to:

• Purchase property
• Refinance and consolidate existing debts
• Access the equity in their home and other properties for personal or investment purposes
• Invest in shares, managed funds or other investments
• Segregate personal and investments debts to simplify tax management.

Find out more at colonialgearedinvestments.com.au

CALIA+ is one of the products available under the Colonial Geared Investments brand, and is provided by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 ('Bank'). The Bank's wholly owned but non-guaranteed subsidiary Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814, a Participant of the ASX Group, only administers the Margin Loan Sub-accounts within CALIA+. This information has been prepared without taking account of the objectives, financial situation or needs of any particular individual. For this reason, any individual should, before acting on this information, consider the appropriateness of the information, having regard to their objectives, financial situation and needs and, if necessary, seek professional advice. Applications are subject to credit approval. Fees and charges apply. Please consider the full terms and conditions available on application. Only investors who fully understand the risks associated with gearing into investments should apply.