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Services

Debt consolidation.

Roll credit cards, personal and car loans into one manageable repayment, often at a lower rate, with guidance to help you get ahead.

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How we can help.

Consolidating can simplify your finances and cut your interest costs, but the right approach depends on your debts and your property. These are the options we most often use.

Consolidate into your home loan

Roll higher-interest debts into your home loan for one lower-rate repayment.

Best for: Homeowners with equity and several debts.

Refinance and consolidate

Move to a new lender with a sharper rate and consolidate your debts at the same time.

Best for: Borrowers whose home loan rate is also due for a review.

A separate loan split

Keep the consolidated debt in its own split so you can pay it off faster.

Best for: Borrowers who want to clear the debt quickly.

Personal debt consolidation loan

Combine debts into one personal loan with a fixed term, without touching your home loan.

Best for: Borrowers without equity, or who'd rather keep their home loan separate.

Car and asset finance

Restructure car or equipment loans into a more manageable arrangement.

Best for: Borrowers with expensive asset finance.

Specialist lenders

If your credit history has a few marks, some lenders specialise in helping borrowers get back on track.

Best for: Borrowers the major banks have knocked back.

Things to consider.

A few things worth weighing up before you decide.

  • The total cost over timeSpreading short-term debts over a long home loan can cost more overall unless you pay them down faster.
  • Keeping your momentumKeep paying at least what you paid before so the debt clears sooner.
  • Closing old accountsClose the cards and loans you've paid off so the debt doesn't build up again.
  • Your credit fileLenders check your credit history, so it's worth knowing what's on it before you apply.

Not sure which option suits you?

Book a free, no-obligation chat. We'll look at your situation and compare options across our lender panel.

Book a free call 0480 026 588

This page provides general information only and doesn't take into account your objectives, financial situation or needs. It isn't credit, tax or financial advice, or an offer of credit. Lender criteria and fees apply and can change. Speak with a Kingdom Capital broker for advice tailored to you.