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Debt Consolidation Home Loans | Simplify Your Finances | MFA
Debt Consolidation Specialists

Simplify Your Finances

Roll multiple debts into your mortgage for one lower repayment. We'll show you how much you could save by consolidating credit cards, personal loans, and car finance.

60+
Lenders
95%
Max LVR
$0
Broker Fee
Save Thousands
In Interest
One Repayment
Simplified

Consolidation Calculator

See your potential savings

6-7%
Mortgage Rate
18-22%
Credit Card
10-15%
Personal Loan
8-12%
Car Loan
Calculate Your Savings →
Debts We Consolidate

Roll Multiple Debts Into One

Swap high-interest debts for a lower mortgage rate. One repayment, one due date, less stress.

Credit Cards

Store cards, Visa, Mastercard, Amex

Typical Rate
18-22% p.a.

Personal Loans

Bank loans, online lenders, payday

Typical Rate
10-20% p.a.

Car Loans

Vehicle finance, chattel mortgages

Typical Rate
8-12% p.a.

Other Debts

BNPL, tax debts, family loans

Typical Rate
Varies
Why Consolidate

Benefits of Debt Consolidation

Restructure your debts strategically to reduce interest and simplify your finances.

01

Lower Interest Rates

Replace credit card rates of 18-22% with mortgage rates around 6-7%. The difference adds up fast over time.

02

One Simple Repayment

No more juggling multiple due dates and payments. One repayment, one account, less mental load.

03

Improved Cash Flow

Lower monthly repayments means more money in your pocket for savings, investments, or lifestyle.

See the Difference Consolidation Makes

Here's a typical example showing how debt consolidation can reduce your monthly repayments and total interest paid.

Get Your Personalised Quote
Consolidation Example
Credit Card ($15,000 @ 20%) $450/month
Personal Loan ($10,000 @ 12%) $320/month
Car Loan ($20,000 @ 9%) $415/month
Total Debt Repayments $1,185/month
Consolidated @ 6.5% (30yr) $284/month
Monthly Savings $901/month
How It Works

Simple 4-Step Process

We handle the complexity so you can focus on what matters.

1

Debt Review

We review all your debts, interest rates, and current home loan situation.

2

Options Analysis

We calculate the savings and find the best refinance or top-up option.

3

Application

We handle the paperwork and submit to the most suitable lender.

4

Debts Cleared

Funds pay out your debts directly. You enjoy one simple repayment.

Common Questions

Debt Consolidation FAQs

Will I pay more interest over time?
Potentially, if you extend the loan term. However, you can make extra repayments to pay off the consolidated debt faster while still enjoying lower monthly minimums.
Do I need equity in my home?
Yes, you typically need sufficient equity (at least 20% after consolidation, or less with LMI). We'll assess your situation to confirm eligibility.
What about my credit score?
Consolidating debts can actually improve your credit score over time by reducing credit utilisation and simplifying your repayment history.
Can I still use my credit cards?
Most lenders require you to close consolidated credit cards to prevent re-accumulating debt. We'll discuss the best approach for your situation.
Is refinancing the only option?
No. Depending on your situation, we might recommend a top-up on your existing loan, a line of credit, or a separate debt consolidation loan.
How quickly can this be done?
Typically 2-4 weeks from application to settlement. We prioritise efficient processing to get your debts cleared quickly.

Ready to Simplify Your Finances?

Book a Free Strategy Call to see how much you could save by consolidating your debts.