Debt Consolidation through Home Loans service
Stop Juggling Multiple Repayments & High Rates.
Credit cards and personal loans often come with crippling interest rates of 15% to 20%+. By rolling these debts into your home loan (typically around 6%), you can instantly reduce your monthly outgoings by hundreds of dollars. We do the math to show you exactly how much you can save.
Calculate My Savings
Standard banks often put self-employed applicants in the “too hard” basket because they look at taxable income, not actual cash flow. We know that as a business owner, you legally minimize your tax—but that shouldn’t minimize your borrowing power. We use lenders who understand the difference.
One Simple Payment
Replace the chaos of multiple due dates and different lenders with a single, easy-to-manage monthly repayment.
Slash Interest Costs
Stop paying "dead money" on high-interest debt. Swapping an 18% credit card rate for a lower mortgage rate saves you thousands over time.
Improve Weekly Cash Flow
By lowering your total monthly commitment, you free up cash in your household budget to cover living expenses or start saving again.
A Strategic Reset For Your Finances
Debt consolidation isn’t just about survival; it is a strategic reset. We help you use the equity in your home to clear the slate. Crucially, we structure the loan to ensure you pay the debt off effectively, rather than just stretching it out over 30 years, protecting your long-term wealth.
Non-Judgmental Debt Advice For Melbourne Families
We provide a confidential, supportive environment to help you restructure your finances and move forward with confidence.
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Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Financial Reset Plan
Stop stressing about bills. We assess your total debt position and equity to create a tailored consolidation plan that simplifies your life and saves you money immediately.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
It is smart if structured correctly. While the interest rate is lower, spreading a car loan over 30 years can cost more in the long run. We recommend keeping your repayments at their old level (or higher) to pay off the consolidated debt portion quickly, enjoying the lower interest rate without dragging out the term.
Yes, most lenders will make this a condition of the loan. The goal is to clear the debt and prevent you from running up the cards again, which would put you in a worse financial position. We help you with the account closure process.
Lenders generally allow you to borrow up to 80% of your property’s value (LVR). If your current mortgage plus the debts you want to consolidate fits under this 80% cap, you can usually proceed without paying Lenders Mortgage Insurance (LMI).
Yes, some specialist lenders allow you to refinance ATO tax debt into your home loan. Major banks often decline this, but we have access to lenders who specialize in helping self-employed clients clear tax portals to get back on track.
Initially, a credit enquiry is made for the new loan. However, paying off maxed-out credit cards and closing them actually improves your credit score significantly over time, as it lowers your "credit utilization ratio" and demonstrates stable financial management.
We can still help. If you have missed payments on your credit cards, major banks may say no, but specialist lenders look at the bigger picture. They may offer a slightly higher rate initially to consolidate the debt, and once your repayment history is perfect for 6-12 months, we can refinance you back to a prime rate.