Debt consolidation
One structured loan can be more powerful than five scattered debts
Credit cards, car loans and personal loans scattered across different lenders quietly cost more than most people realise. Bringing them together, properly, can be the reset you need.
I structure consolidation to shorten your path to being debt-free, not just to lower this month’s repayment.
Prefer to talk first? Call Durand direct on 0450 275 656
How I can help
With over 23 years in financial services, I bring a depth of understanding to lending, cash flow and long-term strategy that most brokers simply don’t have. Combining your debts isn’t the goal. Getting you out of them faster is.
Honest cost comparison
Weighing interest saved against the risk of stretching short-term debt over 30 years.
Choosing what to consolidate
Not every debt belongs in your home loan. I help you decide what to combine and what to leave.
Structuring for faster payoff
Directing the savings back into extra repayments so you get ahead, not just breathe easier.
Adding offset for flexibility
Combining consolidation with an offset account so your cash still works for you.
Avoiding repeat debt
Addressing the habits or circumstances behind the debt, not just refinancing the symptom.
Ongoing check-ins
Reviewing your structure as your situation improves.
Consolidating four debts into one before their first baby arrived
Simon and Julia, a young couple expecting their first baby girl, came to us wanting to tidy up their finances before starting this new chapter. Simon works as an ambulance driver, and Julia works in planning and development at their local council, though she was soon heading off on maternity leave.
Between them, they were juggling a $439,000 home loan, a small personal loan of $5,300, a $12,000 solar panel debt on a very high interest rate, and a $43,000 car loan on their EV. Once combined with a $5,000 cash buffer for emergencies, their total consolidated lending came to $505,000.
Spread across four separate debts, their combined monthly repayments were around $4,080 a month. By consolidating everything into one structured loan, we brought that down to $3,058 a month, a saving of $1,022 a month, or $12,264 a year.
That saving mattered most during the exact period it was needed, giving Julia the breathing room to take her full 12 months of maternity leave without leaning too heavily on their savings.
We structured the new loan as a variable rate with an offset account, redraw, and a 30 year term, giving Simon and Julia the flexibility to pay the minimum during maternity leave, then once Julia returns to work, redirect that $1,022 a month straight back into the loan as extra repayments, with every dollar going toward the principal, helping them pay the loan down sooner rather than simply enjoying a lower repayment indefinitely.
The result was a family starting parenthood with one simple repayment instead of four scattered debts, real breathing room during the maternity period, and a clear plan to accelerate their loan once they’re back to a two income household.
Consolidation done properly moves you forward
Rolling credit cards, personal loans and car finance into your home loan can lower your monthly repayments and simplify your finances. Done carelessly, it can also quietly stretch short-term debt over a 30-year term, costing you more in the long run. The difference comes down to structure, directing the freed-up cash flow back into extra repayments, rather than simply spreading the same debt more thinly.
It suits you if you are
- Juggling multiple credit cards or personal loans
- Paying high interest rates on scattered debts
- Wanting one simple repayment instead of several
- Ready to commit to a genuinely faster payoff plan
- Feeling like your minimum repayments are going nowhere
Why clients choose me for debt consolidation
With over 23 years in financial services, I understand the intersection of lending, cash flow and long-term financial wellbeing better than a broker who only rolls debts together. I don’t just consolidate for the sake of a lower repayment, I structure it so you actually get ahead.
Consolidation done properly moves you forward
Rolling credit cards, personal loans and car finance into your home loan can lower your monthly repayments and simplify your finances. Done carelessly, it can also quietly stretch short-term debt over a 30-year term, costing you more in the long run. The difference comes down to structure, directing the freed-up cash flow back into extra repayments, rather than simply spreading the same debt more thinly.
It suits you if you are
- Juggling multiple credit cards or personal loans
- Paying high interest rates on scattered debts
- Wanting one simple repayment instead of several
- Ready to commit to a genuinely faster payoff plan
- Feeling like your minimum repayments are going nowhere
Why clients choose me for debt consolidation
With over 23 years in financial services, I understand the intersection of lending, cash flow and long-term financial wellbeing better than a broker who only rolls debts together. I don’t just consolidate for the sake of a lower repayment, I structure it so you actually get ahead.
How I can help navigate your next move
Debt can feel overwhelming. The process working with me shouldn’t be.
Why professionals work with me
Every lending strategy is delivered by the same person, start to finish, not handed between call centre staff.
23+
Years in financial services
70+
Lenders on panel
5★
Client feedback
1:1
End-to-end service, no handoffs
Debt consolidation FAQs
What debts can I consolidate into my home loan?
Common candidates include credit cards, personal loans, car loans and, in some cases, tax debts. Whether each one belongs in your home loan depends on the interest rate, remaining term, and your broader financial goals.
Will debt consolidation lower my monthly repayments?
Usually, yes, since home loan interest rates are typically much lower than credit card or personal loan rates. The key is directing at least some of that saving back into extra repayments, rather than just enjoying the lower minimum.
Does consolidating debt hurt my credit score?
Applying for any new credit can cause a small, temporary dip in your credit score. Over time, consistently making repayments on one consolidated loan, rather than juggling several accounts, generally supports a healthier credit profile.
What is the risk of consolidating short-term debt into my mortgage?
A car loan you might have paid off in five years can quietly stretch to 30 years if it’s simply rolled into your mortgage without a plan. I structure consolidation with a clear extra-repayment strategy to avoid this trap.
Can I still make extra repayments after consolidating?
Yes, and this is exactly how a consolidation should work. The interest saved by combining your debts is most powerful when it’s redirected into extra repayments, rather than simply absorbed into everyday spending.
How is your approach different from just rolling everything into one loan?
Rolling debts together is the easy part. With over 23 years in financial services, I focus on what happens next, structuring the loan and your repayments so consolidation genuinely shortens your path to being debt-free.
Related reading
Want to go deeper before you get in touch? Start here.
Debt recycling – case study
How one couple turned their mortgage into a wealth-building tool.
11 strategies to help pay off your mortgage sooner
Practical ways to bring your home loan payoff date forward.
Explore more lending options
Consolidation is often the first step toward a bigger strategy. Here’s where else to look.
Refinancing solutions
See whether a better loan structure is available beyond consolidation alone.
Home loans
Understand how your home loan itself could be better structured.
Debt recycling strategy
Turn released equity into a structured, tax-effective wealth-building strategy.
Ready to bring your debts together?
Tell us what you’re juggling and we’ll come back with a clear, honest plan to bring it together.