One repayment, one due date
Replace several payments at varying rates and due dates with a single, predictable monthly amount. Less admin, less stress, fewer late fees and a much clearer view of your real financial position each month.
Debt consolidation
Simplify your repayments, regain control
Juggling credit cards, personal loans, buy-now-pay-later and a mortgage can drain your cash flow and make it hard to get ahead. Consolidating into a single loan often reduces your total interest cost and frees up monthly room to breathe, provided it's paired with a real plan to pay things down.
What you get
Why borrowers choose us
- One predictable monthly repayment
- Often a much lower blended interest rate
- Specialist lenders for borrowers with credit blemishes
- Honest advice on whether consolidation is right for you
Lower overall interest
Credit cards typically charge 18% or more, and personal loans often sit in the low double digits. Rolling that into a home loan at a much lower rate can save thousands a year, as long as you keep up the repayments and don't rebuild the card balance.
A plan to actually get ahead
Consolidating only works if it's part of a real plan. We'll be honest about whether refinancing is the right step, whether budget changes would help more, or whether you should speak to a financial counsellor first. The cheapest loan isn't always the right answer.
Options if you have credit blemishes
Missed a few payments or had a default? Specialist non-bank lenders consider applicants with imperfect credit, especially when the consolidation clearly improves your position. We know who's likely to say yes so you don't burn enquiries on dead-end applications.
Avoiding the long-term trap
Extending a five-year personal loan over a 25-year mortgage can lower the monthly payment but balloon the total interest. We always show you both the monthly saving and the lifetime cost so you can choose with eyes open, and we'll suggest making extra repayments where it makes sense.
How it works
A simple, guided process
1. Free discovery chat
We start with a no-obligation conversation to understand your goals, timeline and current position. No paperwork, no commitment.
2. Strategy and shortlist
We assess your borrowing power, compare suitable products across our lender panel and present a shortlist with clear pros and cons.
3. Application and approval
Once you choose a direction, we package the application properly, liaise with the lender and chase the moving parts so you don't have to.
4. Settlement and beyond
We coordinate with solicitors, valuers and the lender through to settlement, then stay in your corner for future reviews.
Common questions
Good to know
Will I qualify if I've missed payments?
It depends on your overall situation. Specialist lenders consider applicants with some credit blemishes, especially if the consolidation clearly improves your position and you can demonstrate recent stability.
Doesn't extending a loan term cost more long term?
It can. We'll show you both the monthly saving and the lifetime cost so you can make an informed call, and we'll often suggest setting up extra repayments to clear the consolidated debt faster.
Can I consolidate without using my home as security?
Yes. Unsecured consolidation loans exist, though rates are higher than secured options. We compare both so you can weigh the trade-off.
How much can I save?
It varies, but borrowers consolidating credit card and personal loan debt into a home loan often cut their monthly repayments by hundreds and save thousands in interest over the medium term.
Explore more
Other services
Home loans
Buying your first home or your next? We'll find a loan that suits your deposit, income and goals.
Refinancing
Paying too much on your current loan? We'll review it and compare the market.
Investment loans
Build your property portfolio with structures that make sense.
Business & commercial
From cash flow to commercial property, we work with specialist lenders.
Construction loans
Building your dream home or a major development? We match you with the right construction facility.
Car & asset finance
Financing a new car, equipment or other assets? Competitive rates and terms.
Ready to take the next step?
Tell us your goals and we'll point you in the right direction. No obligation.