Personal lending
One Repayment, Less Interest
Roll high-interest credit cards and personal debts into one lower-rate loan, or finance a car or a big purchase. We compare personal lenders and show you the real cost.
Quick estimate
How Much Could Consolidating Save You?
Estimate only. Compares repayments on your current debts at the average rate entered with a new loan over the chosen term. Excludes fees.
Monthly saving$516Compared with typical minimum repayments of about 2% of balance plus interest.
Confirm With a Strategy Call →Is it right for you?
Worth Considering If You…
✓Have several credit cards or personal loans
✓Are paying 15–20%+ interest on card balances
✓Want one fixed repayment and a clear end date
✓Are buying a car for personal use
✓Want debt cleared before applying for a home loan
How it works
Personal Loan Options
Secured, unsecured or rolled into your home loan. Each has trade-offs we’ll walk you through.
ConsolidateDebt consolidationReplace several debts with one loan at a lower rate.
CarCar loansSecured car loans for new and used vehicles, usually at lower rates.
PersonalPersonal loansFor renovations, weddings, travel or medical costs.
Home loanRefinance into a mortgageLowest rate, but stretched over a longer term. We’ll show the true cost.
The process
Simplifying Your Debt, Step by Step
01
Debt reviewWe list every balance, rate and repayment.02
OptionsPersonal loan vs refinancing into your mortgage.03
ApprovalOften within days for personal loans.04
Pay off & closeOld debts cleared, unused cards closed.Questions
Debt Consolidation & Personal Loans FAQs
Can’t see yours? Read the full FAQ or call 02 9816 9866.
A new application creates an enquiry, but paying off and closing cards often improves your position over time, and helps future home loan applications.