If credit cards, personal loans and buy-now-pay-later are stretching your budget thin every month, we build a plan to roll them into your home loan: one lower repayment, and real room to breathe.
60 seconds · No credit check to get started
Redundancy. A medical bill. A business that didn't quite land. The debt built up slowly, and the repayments were never designed for where you are now. That's not a discipline problem. It's a structure problem, and structure can be fixed.
Different debts, different due dates, different minimums. Miss one and the rest start to wobble.
You're paying hundreds a month and the balance barely moves. High interest is doing most of the damage.
You tried the obvious option and got knocked back. That doesn't mean there's no path; they just don't write these files.
Dreading the next bill, wondering how it got this far. You're not the only one lying awake over this.
Debt consolidation for homeowners is a core part of what we do, every week.
Bad credit, defaults, ATO debt, self-employed: we work these regularly.
We start with your full picture, not a form, and show you what's realistic.
Including specialist and non-bank lenders your own bank won't mention.
Every situation is different. Here's the shape of what changed for homeowners in similar spots.
Two credit cards, a personal loan and a car loan. Four repayments became one.
ATO debt and credit card balances, self-employed. Approved despite an earlier bank decline.
Business loan, Personal loans and BNPL debt across 5 providers, rolled into one lower rate.
Individual results vary based on debt amounts, interest rates, and property value.
A few quick questions about your situation. Nothing pulled from your credit file.
We walk through your numbers and show you what's realistically possible.
Right lender, right structure. We manage the process end to end.
Debts consolidated, cashflow freed up. Most clients settle within a few weeks.
Most clients we help have already been told no somewhere else. That's usually exactly why they come to us. A single bank reads your file through one lens; we work with 40+ lenders, including specialists who price for the full picture: credit history, ATO debt, late payments included. Run the quiz and we'll tell you straight what's realistic.
No. The quiz only collects information you share with us; nothing is pulled from a credit bureau. A formal credit check only happens later, once you've decided to move forward with a specific lender. Talking to us costs nothing and touches nothing on your file.
No. We're a mortgage broking business. A debt agreement is a formal insolvency arrangement that sits on your credit file for years and limits future borrowing. What we do is a refinance: rolling your existing debts into a properly structured home loan so you end up with one repayment. Different product, different outcome, no insolvency mark.
From first call to settlement is roughly 22 days. We aim to call within one business day of receiving your details. If you'd rather lock in a specific time yourself, book a time here.
Your bank has exactly one lender on its panel, itself, so it can only offer what fits its own policy. We work across a panel of 40+ lenders, including specialist lenders your bank won't refer you to. A bank restructures where it suits the bank; we work to find what actually suits you.
Not at all. We work with self-employed homeowners every week. The paperwork looks a little different (BAS statements, notices of assessment), and we know which lenders on our panel read self-employed files properly.
60 seconds. No credit check. No commitment, just a clear picture of what's possible.
Debt consolidation through a home loan requires property ownership, so this strategy isn't going to be the right fit right now. Thanks for taking the time to go through the quiz.
Partner's wages count. Before tax, everything combined.
Based on what you've told us, this particular consolidation strategy isn't likely to stack up right now. Lenders need to see strong ongoing household income to be able to approve the new loan. We'd rather tell you that now, instead of wasting your time on a call that can't go anywhere. If your situation changes, we'd genuinely like to hear from you.
If debt is weighing on you right now, the National Debt Helpline is free and independent: 1800 007 007
A rough estimate is fine.
Credit cards, personal loans, car loans, BNPL, ATO: everything outside the mortgage.
At smaller debt amounts, our consolidation strategy doesn't always pay off the way it does on larger files. The savings tend to be smaller and it can stop being worth doing. We're still happy to take a look if you'd like. There would be a broker fee at this size, paid from your equity at settlement, nothing upfront.
No judgement. We handle these situations every day. Select any that apply.
Takes 10 seconds. No credit check, 100% private.
We'll be in touch within one business day to talk through your situation.
Book your call time now →Can't pick a time? No stress: we'll call you within one business day either way.
