Debt Consolidation for Homeowners
One loan.
One payment.
One way out.
You own property. That means your biggest asset can eliminate your most expensive debts — credit cards, tax debt, store cards — rolled into a single home loan at a fraction of the interest rate.
Every debt comes
with its own penalty.
The rates you’re paying on unsecured debt are typically 3–5 times higher than a secured home loan. Every month, that gap drains cashflow you could be putting to work.
Juggling multiple
debts is unsustainable.
Five or six minimum repayments each month can absorb $2,000+ while barely reducing the principal balances. You’re treading water.
A $15,000 credit card balance at 20% grows by $250 every month in interest alone. Missing one payment makes it worse.
Property equity is one of the lowest-cost forms of capital available. Leaving it untouched while paying 20% on credit cards is an expensive choice.
Credit marks and lender declines can feel like dead ends. They’re not. There is a structured path back to a major lender — and we can map it for you.
From multiple
debts to one solution.
We review all debts, your property valuation, available equity, and credit position — confidentially, with no obligation.
Using specialist and non-conforming lenders where needed, we consolidate into one secured facility at a significantly lower rate.
Every creditor is cleared at settlement. One repayment. One lender. Freed cashflow from month one.
We build a 12–24 month plan to rebuild your credit profile and refinance back to a major bank at a competitive rate.
could look like
Maintaining the same
repayments fast-tracks
your mortgage.
When you consolidate and keep paying what you currently pay in total, every dollar above the new minimum acts as an extra repayment — smashing down the principal faster than you might think.
Based on a homeowner with $500k mortgage at 6.2% + $85k in debts averaging 17% interest, paying $5,100/mo total. Non-conforming rate 6.9% for 24 months, then refinanced to 6.1%.
Keeping debts separate — mortgage only gets minimum repayments for years
Consolidated — same total repayment hits the loan from month 1
Bad credit is not
a closed door.
We work with specialist and non-conforming lenders who assess applications holistically — not just a number on a credit report. Missed payments, defaults, and ATO debt are part of the conversation, not the end of it.
Defaults & judgements
Missed repayments
ATO tax debt
Part IX arrangements
Self-employed income
Low documentation
to a major lender
All debts cleared at settlement. Cashflow stabilises. Penalty interest and GIC stop immediately.
Consistent single repayment history begins rebuilding your profile. We monitor progress and guide your position.
We reassess income, credit score, LVR, and identify the right refinance window and lender.
You move to a major bank or credit union at a competitive rate. Financial position restored, mortgage accelerating.
The advantages are
immediate and compounding.
Interest rate slashed
Moving 20%+ unsecured debt into a 6–7% secured home loan is one of the most powerful financial levers available to a property owner.
Cashflow freed immediately
Consolidating minimum repayments into one lower payment frees hundreds of dollars monthly from the very first cycle.
Extra repayments snowball
By maintaining your existing total payment, every dollar above the new minimum attacks principal — dramatically shortening your loan.
Mental clarity restored
One lender. One due date. One statement. The administrative and emotional burden of juggling multiple creditors disappears.
Penalty interest stops
ATO General Interest Charges and credit card penalty rates are extinguished at settlement. Compounding costs end immediately.
Lending and accounting expertise
As a combined mortgage broking and CPA practice, we understand the full picture — tax implications alongside the lending structure.
This is for you if…
-
You own property with usable equity and are carrying $20,000+ in unsecured or mixed debt.
-
You’re making minimum repayments across multiple accounts and feel like you’re making no headway.
-
You have ATO tax debt accruing General Interest Charges or on an active payment arrangement.
-
Your credit file has marks — defaults, late payments, or a judgement — and mainstream banks have said no.
-
You’re self-employed or have variable income that traditional lenders struggle to assess.
-
You want a structured plan — not just relief, but a clear pathway back to mainstream lending.
Ready to see what’s
possible?
A no-obligation conversation with one of our brokers takes around 20 minutes. We’ll give you an honest view of your options — including whether consolidation is the right move for your situation and what the numbers actually look like.
What people typically ask us.
Will I pay more over the long term by consolidating?
Only if you extend the term without a repayment strategy. We address this directly — the plan is to maintain or exceed your current total payments, which slashes years off the loan. The graph above shows exactly how this works.
I have defaults on my file. Can I still apply?
Yes. Specialist and non-conforming lenders assess applications differently to major banks. The right lender depends on the nature, size, and age of the defaults. Most situations can be accommodated.
How do I know if I have enough equity?
We obtain a current property valuation as part of the initial assessment. Generally you need an LVR no higher than 80–85% after consolidation, depending on your credit position and chosen lender.
Can ATO tax debt be included?
Yes. ATO debt can be incorporated into a consolidation loan. If there’s an active payment arrangement, we coordinate directly with the ATO as part of the settlement process.
How long does it take from enquiry to settlement?
Typically 4–8 weeks from initial assessment, subject to lender turnaround, valuation, and document preparation. We manage the process and keep you informed at every stage.
What’s the exit strategy to a major bank?
We set this out at the beginning — repayment targets, credit monitoring milestones, and a target timeline for refinancing back to a major lender. It’s built into the plan from day one.
One conversation
changes everything.
No obligation attached to an initial assessment. We’ll be direct about whether consolidation makes sense — and what the realistic numbers look like for your situation.