If credit cards, personal loans or car finance are stretching your budget, consolidating them into your home loan may simplify your finances. I'll help you work out whether it makes sense for you — online, anywhere in Australia.
Debt consolidation means refinancing your home loan and using the equity in your property to pay out higher-interest debts. Instead of juggling multiple repayments, due dates and interest rates, you're left with a single home loan repayment.
Because home loan rates are usually lower than credit card and personal loan rates, consolidating can reduce your total monthly repayments and ease pressure on your cash flow.
It's not the right move for everyone, though. Spreading short-term debt over a longer loan term can mean paying more interest overall. My job is to show you the real numbers, side by side, so you can make an informed decision.
Book a free consultationReplacing high-interest debt with a lower home loan rate can free up cash each month.
No more tracking multiple accounts, due dates and minimum payments. Just one loan to manage.
I'll help you structure repayments so the consolidated debt is paid down sooner, not dragged out over 30 years.
We talk through your current debts, your home loan and your goals. No paperwork, no obligation.
I compare options across 70+ lenders and show you what consolidating would cost — monthly and over the life of the loan.
If you decide to go ahead, I prepare and lodge the application and deal with the lender on your behalf.
Your old debts are paid out at settlement, leaving you with one home loan and a fresh start.
Book a free 30-minute chat at a time that suits you — no paperwork, no obligation.
Pick a slot that works for you and I'll call you at that time. You'll get an instant confirmation — no waiting on a reply.
📅 Book your free 30-min chatRather not book online? Call 0409 607 074 or email aleisha@truenorthmortgagebrokers.com.au and I'll come back to you within two business days.