Best for
Where this fits.
- Borrowers juggling multiple repayments across different lenders
- Homeowners who can consolidate debt into their home loan at a lower rate
- Borrowers whose monthly repayments have become unmanageable
Debt Consolidation
Simplify your debts, but only if it actually saves money
We combine multiple debts into one repayment and show you the real cost comparison before you commit.
- We map every debt before making recommendations
- Full cost comparison of current vs consolidated position
- Honest advice if consolidation isn't the right move
How it moves
What happens next.
- 1 List every debt
We map each creditor, balance, interest rate, and minimum repayment so we have the full picture.
- 2 Model both scenarios
We compare what you're paying now against what you'd pay after consolidation, including total cost over time.
- 3 Find the right structure
We compare 30+ lenders for the best consolidation option for your debt profile.
FAQ
Quick answers.
Will debt consolidation save me money?
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.
Can I consolidate credit card debt into my home loan?
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.
What happens to my credit cards after consolidation?
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.
How long does the process take?
Depending on the complexity and the lender, typically one to three weeks. We manage the process and keep you updated throughout.
Start enquiry
Tell us the scenario. We will map the next step.
One enquiry. Human direction. No duplicated paperwork before the fit is clear.
Start Enquiry