From Multiple Payments to One Simple Solution

Consolidate credit cards, personal loans, and other debts into one manageable payment. Save thousands in interest and improve your cash flow with Melbourne's debt consolidation specialist.

Calculate Your Debt Consolidation Savings Get Immediate Help

Debts We Can Consolidate

Combine multiple high-interest debts into one low-rate loan

Credit Cards

High interest rates up to 24% p.a.

Typical Rate: 18-24%

Personal Loans

Unsecured personal loans and lines of credit

Typical Rate: 8-15%

Car Loans

Vehicle finance with higher rates

Typical Rate: 7-12%

Store Cards

Retail store financing and buy-now-pay-later

Typical Rate: 15-25%

Investment Loans

Higher rate investment property loans

Typical Rate: 6-8%

Other Debts

Tax debts, business loans, overdrafts

Variable Rates

Consolidate Into One Home Loan

New Rate: From 5.89% p.a.*

*Rate depends on loan amount, LVR, and credit assessment

Debt Consolidation Savings Calculator

See how much you could save by consolidating your debts

Debt Type Balance Minimum Monthly Payment

*Calculations are estimates only. Actual rates and savings depend on your specific situation.

Get Accurate Assessment

Before vs After Debt Consolidation

See the difference consolidation makes to your financial situation

Before Consolidation

5+ different payment dates each month
Interest rates from 12% to 24%
Minimum payments = $1,850/month
Stress managing multiple accounts
Limited cash flow for savings
Years to pay off debts
Total interest paid: $45,000+

After Consolidation

One payment date each month
Low home loan rate: 5.89%
New payment = $1,200/month
Simple, stress-free management
Extra $650/month for savings
Faster debt elimination
Total interest saved: $25,000+

Success Story: The Johnson Family

How we saved them $528,000 over 25 years

The Johnson Family

Melbourne Professionals with Growing Debt

The Problem:

$35,000 credit card debt across 4 cards (18-22% interest)
$25,000 personal loan (14% interest)
$18,000 car loan (11% interest)
Total monthly payments: $2,100
Struggling to make ends meet

The Solution:

Consolidated $78,000 into home loan at 5.89%
New monthly payment: $1,200
Monthly savings: $900
Used equity in their home
No additional fees or charges

"Santino turned our financial nightmare into a dream. We went from drowning in debt to having $900 extra each month. The stress relief alone was worth it, but saving over half a million dollars long-term has changed our family's future."

$900

Monthly Savings

$10,800

Annual Savings

$528,000

25-Year Savings

5.89%

New Rate

Our Debt Consolidation Process

Simple, fast, and stress-free consolidation

Free Assessment

I review all your debts and calculate potential savings

Strategy Development

Create a consolidation plan tailored to your situation

Lender Matching

Find the best consolidation loan from our 60+ lenders

Application & Approval

Handle all paperwork and liaise with lenders

Debt Payoff

Coordinate paying off all your existing debts

✓

Financial Freedom

Enjoy one simple payment and improved cash flow