Debt consolidation - cut your repayments by consolidating your personal loans into your home loan

Do you have a home loan and one or more personal debts, such as credit cards, car loans and personal loans? If so you may be able to save hundreds of dollars each month by consolidating all of your debts into your home loan. Instead of paying the 15% p.a. interest rate that is common to credit cards and personal loans you may be able to pay normal home loan interest rates on your personal debts instead. You can therefore cut down your total monthly repayments and have the luxury of making just one repayment each month instead of continuing the difficulty of trying to manage the repayments on numerous debts.

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Debt Consolidation Tools

How much can you borrow? - Enter your income details into this form to find out how much you can borrow. Do not enter the monthly repayments for loans being refinanced or consolidated.
Calculators - To work out your repayments etc. To calculate your repayments enter in the amount of your home loan + the total amount of the loans you are consolidating.
Loan types - Information on the various types of home loans available

Debt Consolidation Loan Options

If you fit into one of the following categories we may be able to help. If you have any questions about any of the products mentioned please submit your question using our contact us page or call us on 1300 66 12 11. If you would like a free, no obligation assessment of your loan options please apply online.

You want to consolidate your personal debts into your home loan and you have a perfect repayment history on your debts for the past 6 months

If you have made all of the required repayments on your debts for the past 6 months then you should be able to consolidate your debts at any mainstream lender. Generally the most you can borrow is in a debt consolidation is 95% of your property value + the lenders mortgage insurance premium. Please call 1300 66 12 11 for more information or apply online for a free, no obligation assessment of your situation.

You want to consolidate your personal debts into your home loan and you have a perfect repayment history on your debts for the past 3 months only

If the repayment history on your debts is perfect for the past 3 months you you still may be able to borrow up to 95% of your property value + the lenders mortgage insurance premium in a debt consolidation. Even if your repayments were not perfect up until 4 months ago you may still qualify since this lender only requires 3 months refinance statements. Please call 1300 66 12 11 for more information or apply online for a free, no obligation assessment of your situation.

You want to consolidate your personal debts into your home loan and you are in arrears on your current home loan

If you are in arrears on your current home loan you may still be able to borrow up to 85% of your property value. There are a number of non-conforming lenders on our panel who will allow arrears and will even allow you to have defaults on your credit record. We also have a lender on our panel who does not require you to show your current home loan statements if you borrow 75% or less of your property value. Please call 1300 66 12 11 for more information or apply online for a free, no obligation assessment of your situation.