Roll your credit cards, personal loans and car loans into your one home loan — a single repayment, a much lower rate, and more of your money back every month. See how much you could free up each month — in about two minutes.
No credit check · No obligation. A real broker reviews every scenario — if it's not right for you, we'll tell you.
You're paying the banks' most expensive money first — credit at 13–21%, car loans at 9–13% — while your home loan sits at around 6%. Folding high-interest debt into your home loan is one of the fastest ways to cut what you pay each month. Done with a plan, it can also get you out of debt sooner than keeping everything separate.
Run the numbers on my debtsReplace 3–5 separate payments with a single home loan repayment. Less admin, no juggling due dates, and no more late fees quietly stacking up.
Unsecured debt (credit cards, personal loans, store cards) is the most expensive money you'll ever borrow. Moving it onto your home loan rate cuts the interest compounding against you.
Most clients free up hundreds of dollars a month the day the loans consolidate — money that can go to savings, offset, investing, or just breathing room.
We structure the loan so your debt has an end date — not a revolving balance you carry for decades. Ongoing reviews keep the plan on track.
Tap Yes to anything you're paying off and we'll price it up. Rates and repayments are pre-filled with typical figures — dial them to match your statements. Credit cards use the typical 3.8% minimum repayment; personal and car loans over 5 years.
Best-guess numbers are fine — we only need a ballpark to model the estimate.
Two quick steps left — then we'll reveal your estimate. Lenders assess applications on combined household income and dependents; ballparks are fine, and nothing here touches your credit score.
Last step before we reveal your estimate. We need to run a free online property valuation to confirm your eligibility, then one of our team members will confirm if you will benefit off a debt consolidation. Your info stays confidential, no silly sales tactics. No credit check and no obligation to proceed.
A broker reviews your quiz results and pulls your actual rates, balances and equity position.
Your consolidation is priced across the majors and specialist lenders — including LMI options if needed.
Two scenarios side by side: keep things separate vs consolidate — repayments, interest and payoff date.
From application to settlement, we manage it and lock in the debt-free strategy. Ongoing reviews included.
★★★★★ 5.0 rating on Google Reviews
"David helped us secure a significantly sharper rate on our home loan than we thought possible. Thanks again David!"
"Hussain, David and team have been truly amazing in obtaining finance for several properties… their ongoing support has been life changing."
"They guided us through the entire process with clear communication, professionalism and genuine care… truly stress-free."
Consolidating makes your unsecured debts secured against your home — that's how the rate drops so sharply. It's powerful, so we only recommend it where you have a genuine plan to repay. If you don't, we'll tell you straight and suggest alternatives.
Two reasons — and neither involves a credit check. First, the property address lets us run a free online valuation, which tells us your true LVR and how much you can realistically consolidate. Second, income and household details are how lenders assess any home loan application — having them means we can tell you up front whether the plan is likely to be approved, so you're not wasting your time.
Most lenders like your total borrowing to stay under 80% of the property value (your LVR). Above that, you may need Lenders Mortgage Insurance or a specialist lender. The quiz flags your LVR instantly — and if you're over the limit, we still have lender options to explore.
A home loan application triggers a credit enquiry, which can have a small, temporary effect. We minimise that by assessing your position first and only applying when you're ready. Closing down paid credit cards afterwards can actually strengthen your score over time.
Either — it depends on your current rate and lender. Sometimes we top up your existing loan; other times it's worth refinancing to a sharper rate at the same time. We model both and only move you if the maths works.
Our service is free to you — the broker is paid by the lender at settlement. There can be third-party costs (discharge fees, LMI, government charges) which we itemise before you commit to anything. No surprises, ever.
A top-up can settle in as little as a week or two. A full refinance usually takes 2–4 weeks. We'll give you a realistic timeline for your situation before we start.
Run the two-minute quiz for your indicative estimate — we'll then run your free online property valuation and get back to you if it all checks out. Or talk to a broker today on (02) 8609 3232. No obligation, no pushy sales tactics. Ever.
Talk to our team — licensed Australian mortgage brokers with 20+ years of lending experience.