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DEBT CONSOLIDATION

You don't need to own property to be able to consolidate your loans.

Consolidating loans with your existing mortgage is very effective if you owe large amount of money on your credit cards, personal loans, car loans, etc. See the Example-1 on our home page.

DEBT CONSOLIDATION

Australia wide service.

DEBT CONSOLIDATION

Unsecured loans
and secured loans.

DEBT CONSOLIDATION

Bad credit rating
and defaults are OK.

Debt Consolidation - Consolidate all your loans & debts and save money

- Are you paying too much for your loans?
- Reduce your monthly payments up to 40%
- Only one easy loan payment per month

Debt consolidation is the solution!

One loan + lower interest rate + smaller monthly payment = save money.

We offer two options for debt consolidation. One option consolidates all your loans, credit cards, etc, into your existing home loan. See example-1, below. In the second option, your loans are replaced with a single personal loan. See example-2, below.

Example 1. Debt consolidation with existing mortgage.

Before debt consolidation John is paying for 6 different loans each month.

Type of loan	Remaining to pay	Interest rate	Monthly repayments
Home Loan	$150,000	6.9%	$1051
Car Loan	$20,000	9.0%	$415
Credit Card 1	$9,000	16.5%	$240
Credit Card 2	$6,000	14.0%	$200
Personal Loan 1	$19,000	12.5%	$427
Personal Loan 2	$15,000	14.0%	$349
TOTAL	$219,000	--	$2,682
After debt consolidation John's monthly payments are reduced from $2,682 per month to $1,049 per month. He is saving $1,633 each month.
Type of loan	Remaining to pay	Interest rate	Monthly repayments
Home Loan	$219,000	7.6%	$1,633
Savings per month	$1049 (Every month John has extra $1049 in his pocket.)

Apply now for debt consolidation

Example 2. Debt consolidation without a mortgage.

Before debt consolidation Susan is paying for 3 different loans each month.

Type of loan	Remaining to pay	Interest rate	Monthly repayments
Car Loan	$20,000	12.0%	$445
Credit Card 1	$9,000	16.5%	$240
Credit Card 2	$6,000	14.0%	$200
TOTAL	$34,000	--	$885
After debt consolidation Susan's monthly payments are reduced from $885 to $756. She is saving $129 each month.
Type of loan	Remaining to pay	Interest rate	Monthly repayments
Personal Loan	$34,000	12%	$756
Savings per month	$129 (Every month Susan has extra $129 in her pocket.)

Apply now for debt consolidation

Why should I Chose Debt Consolidation?

Debt problems can be solved simply by consolidation of your existing debts. You don't need a mortgage to be able to consolidate your debt.

However, if you do have a mortgage, your existing debt from personal loans and credit cards can be incorporated into your mortgage at a much better interest rate. Consolidation will reduce your interest rate overall, and in this way save you money. Consolidation of your debt into your existing mortgage is most effective for larger amounts of money.

For smaller amounts of money, consolidation of your loans into a single personal loan is the best solution. In most cases, there are several solutions to help you with your finance.

Your chances in obtain a finance are much greater when applying with us than when applying with a single financial institution. The reason for this is that each financial institution has its own loan criteria and guidelines. If your loan application does not fit their guidelines it will most likely be refused. On the other hand we can match your loan application with the most suitable lender before we even submit your application.