Roll multiple debts into your mortgage for one lower repayment. Consolidate credit cards, personal loans, and car finance at mortgage rates instead of 18–22% interest.
Swap high-interest debts for a lower mortgage rate. One repayment, one due date, less stress.
Store cards, Visa, Mastercard, Amex – all consolidated
Bank loans, online lenders, payday loans
Vehicle finance, chattel mortgages
BNPL, tax debts, family loans
Restructure your debts strategically to reduce interest and simplify your finances.
Replace credit card rates of 18–22% with mortgage rates around 6–7%. The difference adds up fast over time and saves you thousands.
No more juggling multiple due dates and payments. One repayment, one account, less mental load and reduced risk of missed payments.
Lower monthly repayments means more money in your pocket for savings, investments, or lifestyle – whatever matters most to you.
Here's a typical example showing how debt consolidation can dramatically reduce your monthly repayments and total interest paid.
Get Your Personalised QuoteWe handle the complexity so you can focus on what matters.
We review all your debts, interest rates, and current home loan situation to understand the full picture.
We calculate the savings and find the best refinance or top-up option from our panel of 60+ lenders.
We handle all the paperwork and submit to the most suitable lender, managing the process end-to-end.
Funds pay out your debts directly at settlement. You enjoy one simple repayment going forward.
Answers to the questions we get asked most often about consolidating debt.
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. The key is to maintain discipline and not re-accumulate debt on cleared credit cards.
Yes, you typically need sufficient equity (at least 20% after consolidation, or less with Lenders Mortgage Insurance). We'll assess your situation to confirm eligibility and find the best solution.
Consolidating debts can actually improve your credit score over time by reducing credit utilisation and simplifying your repayment history. Paying off multiple debts demonstrates responsible financial management.
Most lenders require you to close consolidated credit cards to prevent re-accumulating debt. We'll discuss the best approach for your situation and help you develop a sustainable financial strategy.
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. We'll analyse all options to find the most suitable solution.
Typically 2–4 weeks from application to settlement. We prioritise efficient processing to get your debts cleared quickly and start saving you money immediately.
Book a Free Strategy Call to see how much you could save by consolidating your debts into one lower repayment.
