Optimise Your Debt, Improve Your Financial Position.
Whether you’re carrying too many loans, paying too much interest, or simply want a structured plan to become debt-free sooner — we help you consolidate, restructure, and manage your debt strategically.
Choose Your Loan Type
Whether you need to consolidate, restructure, or simply ensure your loans are optimally managed — we have a strategy for you.
What Is Debt Consolidation?
Debt consolidation combines multiple debts — credit cards, personal loans, car loans, and other liabilities — into a single facility, typically at a lower interest rate. By reducing the number of repayments and lowering your effective rate, consolidation can reduce your monthly cash outflow and simplify your financial life significantly.
Is Consolidation Right for You?
Consolidation is most effective when your combined debts carry high interest rates (credit cards often charge 18–22% p.a.) and you have sufficient equity in real property to secure a new facility at a much lower rate. We’ll run a full cost analysis — factoring in break costs, application fees, and loan terms — to determine whether consolidation will genuinely improve your position.
Why Restructure?
Loan restructuring is appropriate when your existing facility no longer suits your circumstances — whether that’s because your income has changed, your loan has reverted to a higher rate, your goals have shifted, or better products have entered the market. Restructuring can mean switching from variable to fixed, extending your loan term to reduce repayments, or splitting your facility to manage risk.
Fixing Rate vs Extending Term
Two common restructuring decisions are fixing your interest rate (for repayment certainty) or extending your loan term (to reduce monthly repayments). Each involves trade-offs. Fixing locks in your rate but removes flexibility. Extending reduces repayments but increases total interest paid. We’ll model both options using your actual numbers before making a recommendation.
Annual Loan Health Check
Your mortgage should be reviewed at least annually. Lenders regularly release improved products and rates for new customers while existing borrowers remain on older, higher-rate products. Our annual loan health check identifies whether you’re still on a competitive rate, and whether any changes to your circumstances warrant a review of your overall structure.
Proactive Rate Reviews
When the RBA moves rates or lenders adjust their pricing, we proactively review your position and notify you of material opportunities to improve your rate or switch products. You shouldn’t need to chase your bank for a better deal — we do that for you as part of our ongoing service commitment.
Key Loan Details
Indicative features and eligibility across our three core debt management service types.
Feature
Details
Review Frequency
Annual (minimum); triggered by rate changes or life events
Rate Monitoring
Ongoing — we notify you of material rate improvements
Repayment Optimisation
Modelling offset, additional repayments, and redraw
Structure Review
Assess P&I vs IO, split, and facility types annually
Credit Report
Annual review to identify any unintended listings
Cost to You
No ongoing charge — we're paid on settlement of new transactions
Why Choose Us.
Objective, numbers-driven advice focused on genuinely improving your financial position — not just generating a transaction.
How the Process Works.
A four-step process from initial review through to implementation and ongoing management.
Do You Qualify?
Most borrowers with existing debt and property equity will have meaningful improvement opportunities available.
- Sufficient equity in real property to support the consolidated or restructured facility
- Demonstrated serviceability — income to meet new combined repayments
- Satisfactory credit history (adverse credit considered on a case-by-case basis)
- At least one existing debt or loan facility for review and management
- Willingness to provide full financial disclosure — income, debts, assets, and liabilities
- For investment loan restructuring: existing property portfolio with clear ownership structure
Got Questions? We’ve Got Answers.
Practical answers to the debt consolidation and refinancing questions we hear most often.
Will consolidating my debt into my mortgage cost me more in the long run?
It can, if the consolidated debt is spread over a long remaining loan term without a plan to repay it faster. Credit card debt consolidated into a 25-year mortgage at a lower rate may still cost more in total interest than paying the card off aggressively over 3 years. We model both scenarios using your actual numbers and recommend the genuinely better outcome — even if that means not proceeding with consolidation.
What is the difference between a refinance and a restructure?
A restructure changes the terms, type, or structure of your existing loan(s) — without necessarily changing lenders. A refinance moves your loan from one lender to another, typically to access a lower rate, better product, or equity. Both can achieve cost savings, and the right approach depends on your specific circumstances, break costs, and the product available.
How much could I save by refinancing my mortgage?
Savings depend on your current rate, outstanding balance, remaining term, and the best available rate you qualify for. As a rough guide, a 0.5% rate reduction on a $600,000 loan over 25 years saves approximately $55,000 in interest — though your actual saving will depend on when and how extra repayments are made. We’ll produce a personalised comparison using your exact details.
Can I consolidate ATO debt into my mortgage?
In some cases, yes. ATO debt can be treated as a creditor liability and, where you have sufficient property equity, some lenders will allow ATO debt to be refinanced into a mortgage facility. This needs to be disclosed in your application and the ATO payment plan cleared as a condition of the new facility. We’ll advise on lenders who will consider this type of refinance.
Gets Expert Mortgage Guidance Today.
Avoid costly mistakes and let us help you find the right loan. Our brokers are ready to give you the guidance you need for your next big step.
