Not always. Debt consolidation through refinancing depends on your property value, existing loan structure, income, and overall financial position. That’s why we start with a personalised review — to assess whether this strategy actually makes sense for you and won’t cost you more in the long run.

Not necessarily. When structured properly, consolidated debts can be placed into separate loan splits, allowing you to make extra repayments and pay them down faster — rather than stretching them over the full home loan term. Structure is key.

Depending on your situation and lender criteria, this may include credit cards, personal loans, and car loans. Each case is assessed individually to ensure the structure is appropriate and sustainable.

Applying for finance can result in a credit enquiry, but refinancing itself doesn’t automatically harm your credit score. In many cases, simplifying multiple debts into a clearer structure can actually improve your overall financial position. We’ll explain any implications before proceeding.

Once you submit your details, we’ll review your information and arrange a brief call to understand your goals and situation. From there, we’ll outline your options, explain the structure clearly, and guide you through the next steps if it’s a good fit.

We do not charge for our services as we are paid through the banks we work with. If you proceed with refinancing, the main costs are typically the exit or discharge fee charged by your existing lender and government registration fees to transfer the mortgage to the new bank. These are usually a few hundred dollars each.

We’ll always outline any expected costs upfront before you decide whether to move forward, so there are no surprises.