Consolidate high-interest debts into your home loan. One simple repayment, lower interest rates, and improved cash flow. Take control of your finances today.
15-20% → 6-7%
Simplify repayments
Free up monthly income
Path to debt freedom
If you're juggling multiple debts—credit cards, personal loans, car loans, store cards—you're likely paying far more interest than necessary and managing multiple due dates each month.
Debt consolidation rolls all your high-interest debts into your home loan at a much lower rate. This means one simple repayment, significant interest savings, and improved monthly cash flow.
Monthly Savings: $1,110
(Over $13,000 per year back in your pocket)
Reduce interest from 12-22% down to home loan rates (6-7%)
Simplify finances with one monthly repayment
Free up hundreds or thousands per month in cash flow
Clear path to becoming debt-free faster
Average monthly savings after debt consolidation
Home loan rate vs 15-22% on credit cards and personal loans
Replace multiple debts with a single monthly home loan repayment
Most types of personal debt can be rolled into your home loan
Average rate: 15-22%
High-interest credit card debt is the most common consolidation. Save thousands in interest charges while simplifying repayments.
Average rate: 9-15%
Consolidate personal loans for holidays, medical expenses, or debt consolidation into your lower-rate home loan.
Average rate: 6-12%
Even car loans with moderate rates can benefit from consolidation if it simplifies your finances and improves cash flow.
Rate: 0-25%+
Multiple retail credit accounts and BNPL services can be consolidated to simplify tracking and avoid missed payments.
ATO Payment Plans
Outstanding tax debt can sometimes be consolidated, though this requires careful structuring and may not suit everyone.
Various rates
Consolidate multiple investment loans or refinance to better rates while maintaining proper tax structure.
A simple process to consolidate and simplify your debts
We review all your current debts, interest rates, and repayments to calculate potential savings.
We determine how much equity you have available in your home to consolidate debts.
We apply for a new home loan that includes enough to pay out all your existing debts.
At settlement, your debts are paid out and you're left with one simple home loan repayment.
Debt consolidation is powerful, but it's important to understand the full picture
Debt consolidation works best when combined with a plan to manage spending and avoid accumulating new debts. We'll help you understand whether consolidation makes sense for your situation and ensure you're set up for long-term financial success.
Calculate your potential savings
Book a free debt assessment to see how much you could save and whether debt consolidation is right for you.