Debt consolidation loans

  • Consolidate all debt into one loan
  • Have nuisance debt paid off
  • Make one payment each month
  • Save on high interest costs
  • Bad debt or poor credit history OK
  • Solutions available from lenders
  • Bring relief to your life now

If you have debt that you need to pay off, we have lenders that can provide you with a new home loan, consolidating all the debt you want paid off into your existing or new loan.

Sometimes, simply refinancing your mortgage or consolidating a number of debts into one loan can be enough to ease your financial burden, by making one repayment and therefore lowering the repayment amount each month.

These loan conditions are dependent on your payment history on the debts, typically over the last 3-6 months. Just because it's bad doesn't mean you won't get a loan.

Whether you have a salary or are self employed there are many options available to you. Typically, the most you could borrow is up to 95% of the value of your property, and depending on the level of debt being consolidated, you may need to pay the Lenders Mortgage Insurance premium.

Contact us and tell us about your situation. We'll suggest ways you can restructure your finance to achieve the above benefits.

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FAQs
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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).

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Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases

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Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.

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Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article

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It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.

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This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.

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The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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