Smart Borrowers Handbook is an essential guide for anyone that plans to use mortgage finance. It provides readers with essential information about the mortgage industry players and products - who's best to use, why and when. It reveals many unknown loan structuring techniques which maximise the borrowers flexibility, tax planning benefits and minimises risks and costs. The Smart Borrowers Handbook is a fantastic reference book which borrowers can refer to throughout their borrowing life. Following the advice contained in the book ensures you'll structure your debt portfolio effectively which is bound to save you thousands of dollars in interest and tax! And you'll end up being more knowledgeable about lending than the bank manager!