Refinance & Debt Consolidation | Finance Andi

Refinance & debt consolidation

Own your home? Put your equity to work and bring your debts under one roof.

Carrying a car loan, credit cards, a personal loan or tax debt alongside your mortgage? Answer a few quick questions and Andrew will review whether consolidating them into your home loan puts you further ahead. About two minutes, and it is about simplifying capable finances, not fixing broken ones.

13 years structuring home loans for Australians. 60+ lenders.

Your answers stay private and are only used to prepare your review.

Prefer email? Reach Andrew at [email protected]

13 years in lending

Access to 60+ lenders

FBAA member

Whole-of-market advice

One structure, not five

Separate debts, each on its own rate and term, brought into a single home loan structure.

Illustration only. Whether consolidating suits you depends on your equity, income and the lender assessment.

The opportunity

Good incomes quietly lose ground to scattered debt.

It is rarely one large debt. It is a car loan here, a couple of cards there, a personal loan from a few years back, each sitting at a rate well above your home loan.

Individually they are manageable. Together they hold back your cashflow. Money that could be reducing your home loan, or sitting in your offset, is instead paying interest to four different lenders.

Consolidating those debts into your home loan can bring the blended rate down and put that difference back in your pocket each month, when the structure is right for you. A review tells you whether it is.

Review my position

The process

How the restructure works

A clear, four-step path from scattered debt to a single, considered structure.

Map what you owe

We list every debt you want to look at: the balances, rates and repayments. You get the full picture in one place.

Check equity and serviceability

We look at your home equity and income, then compare 60+ lenders to see which options you could actually qualify for.

Structure the refinance

If it stacks up, we set up one home loan that pays out the debts you choose to consolidate. You pick what goes in.

One repayment, one plan

You are left with a single repayment and a plan to pay the consolidated portion down faster, so the structure works in your favour.

Why Finance Andi

Advice that answers to you, not to a bank

Independent broking with a whole-of-market lender panel behind it. We manage the process end to end and stay with you long after settlement.

60+ lenders compared

Instead of one bank's products, we look across a wide panel of lenders to find a structure that fits your situation.

We work in your interests

We are not owned by a bank. Our job is to find the right loan for you, and to tell you plainly when refinancing is not worth it.

Aligned with you, not a fee*

For most home loans the lender pays our commission, so our advice is about structure and fit, not a fee to you.*

Ongoing support

We stay in touch after settlement to make sure your loan still fits as your situation changes, and look for opportunities to improve your position.

Direct and personal

You deal with Andrew and the Finance Andi team directly. One point of contact who knows your file, wherever you are in Australia.

We manage the process

From paperwork to lodgement to settlement, we handle the process and chase the lender so you do not have to.

The honest bit

Consolidating debts into your home loan means those debts become secured against your property. If repayments are not met, your home is at risk.

Spreading shorter debts, like a card or a car loan, over a longer home loan term can also mean you pay more total interest unless you actively pay the consolidated portion down faster.

That is exactly why we model both sides before you decide. You see the real numbers over the real term, not just a lower monthly figure. If it does not put you ahead, we will say so.

Who this is for

Built for homeowners with equity and debts worth restructuring

This suits homeowners who have built real equity and are carrying other debts alongside the mortgage. If your borrowing has spread across a few lenders, it is worth reviewing.

We work with plenty of essential and professional workers, including:

Emergency respondersTeachersNurses PoliceAllied healthLawyersGovernment employees

A quick gut-check

You own your home and have built some equity
You are carrying a card, a car loan or a personal loan
You would rather your equity worked harder
You want a clear plan, not a sales pitch

Good questions

Questions worth asking

Won't this just stretch my debts out over 30 years?

Only if you let it. The considered approach is to keep paying close to what you were paying across those debts, so the consolidated portion clears faster while you benefit from the lower rate. We structure it that way and model the total cost with you before anything is lodged.

How are you paid?

For most home loans the lender pays our commission, not you. On the occasions a fee applies, we tell you upfront and set it out in writing in your Credit Guide and credit documents before you commit.

What debts can I consolidate?

Depending on the lender and your situation, that can include credit cards, personal loans, car finance and in some cases tax debt. Which debts can be included, and how much, comes down to your equity, your income and the lender's assessment. We work through this in the review.

How long does it take?

Most refinances run around two to six weeks from application to settlement, depending on the lender, the property valuation and how quickly documents come together. We keep you updated at each stage.

What if it is not the right move?

Then we tell you. If consolidating does not put you further ahead once the term and any costs are factored in, we will say so, and you will still walk away with a clear read on your position.

How much equity do I need?

There is no single number, because it depends on your property value, the debts you want to include and your income. As a general guide, more equity and stronger serviceability open up more options. We check where you sit as part of the review.

Meet your broker

You deal with Andrew directly, start to finish

Restructuring your borrowing is a considered decision, so it helps to know who you are dealing with. I have spent 13 years helping homeowners and professionals across Australia structure their lending properly, weighing 60+ lenders to find the right fit. You get straight answers, and I stay with you well beyond settlement.

13 years in lending FBAA member 60+ lenders Australia wide

Request my review

Ready when you are

See where you stand in about two minutes

Answer a few quick questions and Andrew will review whether consolidating puts you further ahead.

Request my review