Multiple debts.
One smart solution.
Credit cards at 20%, a personal loan at 12%, a car loan at 8% — all draining your cash flow. We consolidate them into your home loan at a fraction of the rate, saving you hundreds every month.
When you're juggling credit card minimums, personal loan repayments, and car finance alongside your mortgage, it's hard to get ahead. Debt consolidation rolls those high-interest debts into your home loan — typically dropping your combined rate from 15–22% down to 6–7%. The result: one simple repayment, dramatically lower interest costs, and the breathing room to actually start building wealth instead of servicing debt.
Credit Card Consolidation
Credit cards charging 15–22% are the most expensive debt most people carry. Rolling them into your mortgage at 6–7% can save thousands per year in interest alone.
Personal & Car Loans
Personal loans (9–15%) and car finance (6–12%) add up fast. Consolidating them into your home loan simplifies repayments and significantly reduces your total interest bill.
Tax Debt & BNPL
ATO payment plans and buy-now-pay-later balances can be consolidated too. We help you clear the slate and start fresh with a single, manageable repayment.
Cash Flow Restructuring
Beyond consolidation, we restructure your overall finance to free up monthly cash flow — giving you room to save, invest, or simply breathe easier.
Consolidation for every situation
Juggling several repayments
You're making minimum payments on credit cards, a personal loan, and maybe a car loan — all while servicing your mortgage. The combined interest is costing you thousands. Consolidation can cut that dramatically.
Feeling the squeeze each month
Your income is solid but your repayments are eating into everything. Consolidation reduces your total monthly commitments, freeing up cash flow for savings, investments, or just daily life.
Ready to reset your finances
You want to draw a line under scattered debts and start fresh with one clear repayment plan. We consolidate, restructure, and set you up with a strategy to stay debt-free going forward.
From assessment to freedom
Debt assessment
We review all your current debts — rates, balances, repayments, and fees — to calculate exactly how much consolidation could save you each month and over the life of the loan.
Equity check
We determine how much equity you have in your property to ensure consolidation is viable and identify the best refinancing structure for your situation.
Refinance application
We submit your application to consolidate all debts into a single home loan with a dramatically lower rate, handling all lender communication and paperwork.
Settlement & payouts
On settlement, your existing debts are paid out directly by the new lender. You're left with one loan, one repayment, and significantly more cash flow each month.
Consolidation done right
Honest assessment
Consolidation isn't always the right answer. We run the numbers to ensure you're genuinely better off — factoring in fees, loan term extension, and total interest cost.
Real savings, not estimates
We show you exact before-and-after figures: your current total repayments versus your consolidated repayment, with no hidden assumptions.
Behavioural planning
Consolidation only works if you don't re-accumulate debt. We help you build a plan to manage spending and avoid falling back into the same pattern.
Flexible structures
We can structure your consolidation with offset accounts, split loans, or accelerated repayment plans to pay down the debt faster than a standard mortgage term.
Credit score awareness
We consider the impact on your credit file and time the application to minimise any negative effects from closing existing accounts.
Ongoing monitoring
After consolidation, we keep an eye on your loan to ensure the rate stays competitive and your repayment plan stays on track.
What you'll need
Debt details
- Current credit card statements (all cards)
- Personal loan statements and payout figures
- Car loan or finance statements
- Any other debt statements (BNPL, tax debt)
- Current home loan statement
Financial position
- Recent payslips (2–3 months)
- Bank statements (3–6 months)
- Estimated property value
- List of all monthly repayments
- Identification (driver's licence, passport)
Not sure if consolidation makes sense for you? Book a free assessment and we'll run the numbers — no obligation.