DEBT CONSOLIDATION Save dollars every month - clear all your existing credit cards, loans and other debts and replace them all with one single lower monthly payment - gain control of your finances and your life. Our lenders specialise in Debt Consolidation Loans - Secured and Unsecured

We help numerous applicants get the loan they need - including those with a bad credit history. Our specialist financial team will put you in touch with competitive and reputable lenders, who will offer you the best quotes that suit your circumstances and budget.

Please bear in mind, however, the current circumstances surrounding the World Credit Squeeze and accept that, if you have defaults in excess of $500, or are a Discharged Bankrupt, we doubt that we will be able to be of assistance in relation to an unsecured personal loan, at this time..  If you have assets, such as a car that you own outright, we may be able to help.

(ed: September, 2008).

What is Debt Consolidation?

A Debt Consolidation Loan is a single loan that can be used to pay off existing debts - personal loans, credit cards, overdrafts, student loans or unpaid bills. Credit cards and store cards have high-interest rates which can mean heavy payments every month. A debt consolidation loan enables you to reduce these high payments and avoid expensive loan penalties.

Consolidating outstanding debts can relieve your financial pressure and enable you to maintain and rebuild your credit rating. A large number of financially astute consumers are taking a more proactive role by consolidating their debts to minimise interest payments - a trend that is becoming more popular, such as refinancing to achieve a lower interest rate.

The key to solving a debt problem is prompt action - act now before the situation gets worse. If you let your credit cards go over their limit, or have missed a payment in the last three months, it may be too late, as personal loan lenders have tightened up recently due to the World Credit Squeeze.  We can still help with refinancing mortgage arerars, however.

Refinancing by incorporating all your debts into one loan can reduce your monthly payments and enable you to take control of your finances.

Reduce monthly payments

You can significantly reduce your monthly payments with a Debt Consolidation Loan, sometimes by up to half.

We can help you find the most competitive rates, and making one monthly payment can be much more convenient and easier to manage than making multiple payments. Our Debt Consolidation experts will help you to combine and repay all your existing debts with one single loan, usually at a more competitive interest rate - reducing your monthly repayments and putting you back on track for your future financial freedom. Unsecured loans are available from $5000 to $30000, with secured (property) loans up to $80000.

Clearing arrears (mortgages only)

If you have built up mortgage then these can be cleared when you refinance with more affordable monthly payments - clearing unpaid debts, avoiding court action and preserving your credit status. Unpaid debts and defaults can be incorporated into the mortgage refinance.

Alternatively, if you would like to discuss your options with a consultant, please give us a call on 1300 136 071 (normal business hours).