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Debt Consolidation Loans

Multiple Debts  Fast Approval  Client Focused  Results Driven 


We provide comprehensive debt consolidation services, and ensure we negotiate the

best deals for your situation. 


Our debt consolidation loan brokers looks at each debt in isolation, and as a whole,

which allows us to devise the optimal debt consolidation solution.

Optimal Debt Solutions

“Sometimes all we really need is that little extra help to achieve great things” – Anon

Debt Consolidation loans

Debt consolidation can assist in many ways from saving on monthly payments, to saving on interest, or just the practicality and convenience of lessening the number of open debt facilities. 

We can assist with all types of debt consolidation, with multiple debt and credit history scenarios.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you.  This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with the main banks as well as specialty lenders, with typically no early exit and repayment fees, and a whole host of other benefits on your debt consolidation journey. Enquire for a call back today from one of our personal loan brokers and ensure you make the right choice on your debt consolidation today.

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our comprehensive debt review, to look at each debt in isolation and as part of your overall debt scenario. We can then advise the optimal path and seek your feedback for further discussions.

How much can I borrow and how many debts can I consolidate?

This will largely depend on your, credit history, and monthly income and expenses and the other types debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please click on our quick quote button and complete the form. One of our debt consolidation specialists will then call to discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please complete our quick quote and complete the form.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history and length of employment, and level and type of other debt, are more important lender factors. Complete our quick quote or book a credit consult to find out more details.

Do you need tax returns?

Depending on loan type, we generally don’t need tax returns, though they always help to strengthen an application. We have alternative income verification steps that can utilise bank statements to calculate loan borrowing limits and interest rates, and to verify employment generally pay slips or an employment contract is needed.

Debt Consolidation

We can assist with most types of debt consolidation for a large range of varying debts and lender facilities you may have open. Depending on your situation, we can also wrap debt consolidation into new lending if you want to purchase something at the same time. Our main aim though is to put you in a better position, free you from the debt cycle, and ensure any further lending is aligned with your current and future needs, and objectives, and will bring you true benefits. 

Start today by arranging a free 30 minute credit consult with one of our personal loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your personal finance needs.

Loans Done Right

We have seen the effects of good and less-ideal finance over the years. Our mission is to ensure that all debt consolidation loans will provide true benefits, and meet your needs and objectives for today and tomorrow. We aim for lenders who have no on-going fees, no early repayment or exit fees, and who provide competitive rates and finance terms. For us, debt consolidation is not just about saving money, but the bigger picture of full financial freedom from debt. 

Our process starts with a completely no-obligation pre-assessment from one of our senior brokers where you will have the chance to discuss any questions you may have. Book an appointment now or apply for a non-committal quick quote to view our tailored personal loan solutions.

Typical Debt Consolidations

Single day settlements

Competitive interest rates

No early payout fees

Zero or minimal account fees

Tailored features

Easy account management

Our Clients Choose Us For

Open & transparent process

Quick loan application

No commitment pre-assessments

Honest loan feedback

Full life-of-loan support

High success rate

What does it take for a typical debt consolidation loan?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history

Secured Car Loans

From 6.29%

Request Call Back
  • From 6.99% Comparison rate
  • Dealer or private purchase
  • Up to 150% security value
  • Minimum $10K facility
  • Free pre-assessment
  • Older and exotic models

Debt Consolidation

From 6.99%

Request Call Back
  • From 6.99% Comparison rate
  • Additional cash out options
  • No early repayment fees
  • Up to $200K per household
  • Free pre-assessment
  • Up to 7 year loan terms

Other Secured Loans

From 6.29%

Request Call Back
  • From 6.29% Comparison rate
  • Use an already owned asset
  • No early repayment fees
  • Up to 100% security value
  • Free pre-assessment
  • Unlock your vehicles equity

What type of home car holiday boat personal business loan are you dreaming of today?

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