We’ll prepare your personalised debt consolidation plan within 24 hours once you’ve submitted the documents. From there, loan approval and settlement typically takes 2–4 weeks, depending on lender speed.

Yes - a formal credit application may cause a minor temporary dip in your credit score. But by simplifying repayments and reducing your risk of missed payments, consolidation often improves your long-term financial health.

Unfortunately our debt consolidation solution relies on home equity, so it’s available to homeowners only. If you don’t own property, we’re happy to talk through other options - just reach out.

Not necessarily. Our smart loan structuring prioritises restoring your monthly cash flow while helping you repay your mortgage faster - so you don't just swap debt; you improve your financial trajectory.

Yes - missed repayments don’t automatically disqualify you. We work with a range of lenders, from major banks to specialist non-bank lenders. We'll assess your full financial situation to help you get on a stronger path. If consolidation isn't the right option, we'll advise you honestly.

You’ll need enough equity so that after consolidation, your Loan-to-Value Ratio (LVR) stays under 80% - which helps you avoid paying Lenders Mortgage Insurance (LMI). If you're concerned, don't worry: our brokers will arrange valuation comparisons with multiple lenders at no cost to you - helping you get the highest possible valuation and maximise your eligibility.