It's when you combine several debts, like ATO debt, credit cards, car loans or business loans, into one loan with one repayment. For many people this is done by refinancing their home loan and using equity to pay out the other debts.

In many cases, yes. Some lenders will consider refinancing to pay out ATO debt, particularly if you're on a payment plan and up to date with it. What's possible depends on your circumstances, including the size of the debt and your equity.

Yes, and it's what we specialise in. We work with self-employed borrowers every day, including sole traders, companies and trusts, and know which lenders understand how business income works, including add-backs and alternative documentation options.

It helps. Most consolidation options use the equity in your home or investment property. If you don't own property, we can still talk through your situation and let you know what could be available.

It may lower your monthly repayments and simplify your cash flow, but spreading short-term debts over a longer loan term could mean paying more interest overall. We'll walk you through the numbers so you can see the full picture before you decide.

Not at the start. Before anything goes to a lender, we run a soft credit check as part of our own assessment, and soft checks don't impact your credit score. Your score is only affected once a formal application is submitted to a lender, and we'll always talk you through that before it happens.

It depends on the lender and how quickly we receive your documents, but many refinances take around 3 to 6 weeks from application to settlement.

Nothing. The strategy session is complimentary and there's no obligation to go ahead. If we do proceed with your loan, we'll confirm any fees upfront, in writing, before anything is submitted.

We'll have a 30-minute chat about your debts, income and goals. If there's an option that could suit you, we'll explain next steps and what documents we'd need.