Debt review
List balances, rates, repayments, remaining terms and any payout costs.
Melbourne-based. Helping borrowers Australia-wide. Available 7 days.
0477 212 840Debt consolidation refinancing Melbourne
Combine eligible debts with the total cost in view.
Compare repayments, fees and loan-term impacts before rolling eligible personal debts into a refinanced home loan.
Repayment impact modelledLoan term comparedCosts and risks explained
View all specialist lending options 
Clear advice from start to finish.18 years’ experience · 40+ lenders compared
How we help
A lower monthly repayment is not the whole result.
Consolidation can simplify repayments, but short-term debt may cost more if it is extended over a home-loan term. We compare both the monthly and long-term picture.
Equity and servicing
Assess available property equity and the lender’s ability-to-repay requirements.
Term comparison
Model the impact of maintaining faster repayments versus extending debt over a longer term.
Loan structure
Consider separate loan splits and repayment settings that keep the consolidated amount visible.
Your pathway
A considered process. Clear next steps.
List
Gather current balances, repayments and payout information.
Model
Compare monthly cash flow and total interest outcomes.
Select
Assess suitable refinance and loan-split options.
Manage
Complete the refinance and establish the repayment plan.
Related specialist options
Explore another lending pathway.
Self-employed home loans
Turn business income, financial statements and supporting documents into a clear home-loan application strategy.
Learn moreLow-deposit home loans
Understand lender deposit requirements, lenders mortgage insurance and eligible guarantee or assistance pathways before choosing a property.
Learn moreGuarantor home loans
Explore how a family guarantee may work, what the guarantor is securing and which safeguards and independent advice should be considered.
Learn moreTalk to an experienced broker
Let’s make your next step clearer.
Share a few details and Chris will contact you personally to understand your position and outline a useful next step. There’s no pressure and no obligation.
Common questions
Good decisions start with good questions.
Can personal loans and credit cards be consolidated?+
Potentially, subject to property equity, servicing, credit history, lender criteria and the purpose of each debt.
Will consolidation always save money?+
No. It may reduce monthly repayments while increasing total interest if the debt is repaid over a longer period. Costs and repayment behaviour matter.
Should consolidated debt be kept separate?+
A separate loan split can make the balance and repayment plan easier to track. The appropriate structure depends on the scenario and lender.
This information is general in nature and does not take into account your objectives, financial situation or needs. Credit assistance is subject to assessment, lender criteria and approval. Government scheme and grant eligibility is determined by the relevant authority.