Service
Debt Consolidation — one repayment, one clear plan
Multiple repayments at high rates make progress feel impossible. Consolidating into one structured facility — sometimes within a home loan refinance — can cut interest sharply, provided the plan comes with a payoff strategy.
What you get
A smarter path to your debt consolidation
- Compare suitable lenders. We assess rates, fees, policy and features across a wide lender panel.
- Structure around your goals. Your recommendation considers cashflow, flexibility and the next financial move.
- Director-led from start to finish. Eric applies 26+ years of banking and finance experience to every application.
Debt Consolidation — common questions
- Does debt consolidation hurt your credit score?
- Consolidating and then meeting repayments on time usually helps your profile over time, though the new application itself is recorded as an enquiry.
- Can I consolidate debt into my home loan?
- Often yes, subject to equity and servicing. The rate is lower, so we set a repayment plan to avoid stretching short-term debt over 30 years.
- What debts can be consolidated?
- Credit cards, personal loans, car loans, buy-now-pay-later balances and tax debts in some cases.
Not sure which loan fits? Compare our best finance options guide or run the numbers with our finance calculators.