Debt Consolidation
Check whether combining debts will reduce the cost or make repayments easier to manage.
Who it is for
Process
We map each creditor, balance, interest rate, and minimum repayment so we have the full picture.
We compare what you're paying now against what you'd pay after consolidation, including total cost over time.
We compare 30+ lenders for the best consolidation option for your debt profile.
We help you set up a plan to stay on top of repayments and avoid going backwards.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Consolidate into home loan | Homeowners with equity who want the lowest available rate | Extends your debt over the life of your mortgage - model total cost carefully |
| Standalone consolidation loan | Borrowers who want a fixed term separate from their mortgage | Higher rates than mortgage-backed options but shorter term |
| Balance transfer credit card | Smaller debt amounts that can be repaid within an introductory period | Rate jumps significantly after the introductory period ends |
It depends. Consolidation usually lowers your monthly repayment, but if the term is extended you may pay more in total interest. We model both scenarios so you can see the real impact.
If you have equity in your home, yes. This gives you a much lower rate but extends the repayment period. We'll show you the trade-off.
You'll need to decide whether to close them or keep them. If you keep them, it's important not to run up new balances on top of the consolidation.
Depending on the complexity and the lender, typically one to three weeks. We manage the process and keep you updated throughout.
