Debt Consolidation

Mortgage Advisory

Trade chaos for a single, strategic repayment.

Streamline your finances and reduce your interest costs with smart debt consolidation.

Regain control of your cash flow.

Managing multiple debts with high-interest rates can be overwhelming. By leveraging the equity in your home, we can help you consolidate credit cards, personal loans, and vehicle finance into a single, manageable mortgage payment.

How we support you:

  • Interest Savings:

    Shifting high-interest debt to lower mortgage rates.

  • Simplified Payments:

    One clear, structured payment to focus on.

  • Financial Planning:

    Structuring the loan so you actually pay the debt off faster, rather than extending it over 30 years.

Financial Planning
Impact modelling

Clarity on the savings before you restructure.

Average rate reduction -6.2%

Rolling short term debt into mortgage facilities lowers the effective rate dramatically compared with credit cards or personal loans.

Cash flow relief $980

Typical monthly payment reduction for clients consolidating three or more debts into one structure.

Debt free horizon 3.8 yrs

We set up accelerated repayment plans so consolidated balances are cleared quickly instead of stretching out for decades.

Structured repayment plans

Separate the consolidated balance into its own loan split with a shorter term so you see tangible progress.

  • Automatic fortnightly payments that match pay cycles.
  • Progress reporting every quarter.
  • Ability to make lump sum payments without penalty.

Behaviour resets

We help close redundant credit facilities so the debt does not creep back.

  • Credit score review and clean-up plan.
  • Insurance and emergency fund recommendations.
  • Accountability touch points with our team.

Business owner solutions

For self employed clients juggling tax arrears and business lending, we coordinate with your accountant to ringfence obligations.

  • Separate GST/tax savings accounts.
  • Working capital facilities aligned to cash flow.
  • Clear documentation for IRD arrangements.
Simplified pathway

Consolidation in four focused steps.

1. Debt audit

Interest rates, fees, and remaining terms are captured so we know exactly what problem we are solving.

1

2. Structure design

We determine which portion should sit on the mortgage, which should remain short term, and how fast to repay.

2

3. Bank approval + settlement

All third party lenders are paid directly, accounts are closed, and you are left with a single structured repayment.

3

4. Tracking + support

We monitor repayment progress, schedule rate reviews, and keep you accountable to the debt free date.

4

No, provided we close the repaid facilities and keep the new repayment history clean. Clients typically see scores improve within six months.

Not always. We first negotiate with your current lender. If their appetite is limited we will show you the pros and cons of refinancing elsewhere.

Yes, though we keep personal and business facilities separated inside the structure so cash flow remains traceable for accounting purposes.

Let's unlock your borrowing power.

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