Turn a stack of repayments into one you can plan around.
If you own your home and you are juggling a mortgage, credit cards, a car loan or a personal loan, refinancing could roll them into a single home loan repayment. Book a free, no-obligation review and we will show you whether it stacks up for your situation.
- Access to 60+ lenders in one place, compared for you
- A real broker who works for you, not a bank
- One 20-minute call to see if it fits
No obligation. We only suggest a change when it genuinely puts you in a better position.
What consolidation actually looks like
Several debts, each with its own due date, brought into one home loan repayment.
Illustration only. Whether consolidating suits you depends on your equity, income and the lender assessment.
Different due dates, different rates, one headache.
For a lot of homeowners the pressure is not one big expense. It is four or five smaller ones. A card here, a car loan there, a personal loan taken out a couple of years ago, each with its own rate and its own date.
Usually it is about complexity, not overspending. When the money is spread across that many repayments, it is hard to get ahead and hard to even see the full picture.
Refinancing lets you look at whether those debts can sit inside one home loan, at a home loan rate, with one repayment to manage. Sometimes that frees up monthly cash flow. Sometimes it is not the right move. The only way to know is to run your numbers.
See if it stacks up for meHow rolling your debts into one works
A clear, four-step path from a tangle of repayments to a single plan. No jargon, no pressure.
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.
A broker in your corner, not a bank on the phone
Local Sydney broking with a national lender panel behind it. We do the legwork and stay with you 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.
No cost to you in most cases*
For most home loans we are paid by the lender, not by you, so our review and comparison come at no cost to you.
Ongoing support
We stay in touch after settlement to make sure your loan still fits as your situation changes, and look for chances to save.
Local and personal
You deal with Andrew and the Finance Andi team directly. One point of contact who knows your file, based in Sydney.
We do the legwork
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.
Built for homeowners with a bit of equity and too many due dates
This review suits homeowners who have built some equity and are carrying other debts alongside the mortgage. If you are a couple of years into your loan and the repayments are starting to feel scattered, it is worth a look.
We work with plenty of essential and professional workers, including:
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
- Juggling the due dates is starting to wear thin
- You want a clear plan, not a sales pitch
What people ask before booking
Will refinancing to consolidate hurt my credit score?
Do I have to pay to use you?
What debts can I consolidate?
How long does it take?
What if it does not save me money?
How much equity do I need?
You will be dealing with Andrew, not a call centre
Refinancing your home is a big call, so it helps to know who is in your corner. Andrew works with Sydney homeowners to cut through the noise, compare 60+ lenders and structure a refinance that actually fits. Straight answers, no pressure, and someone who stays with you after settlement.
A few quick questions to see if it stacks up
Answer a few short questions and Andrew will come back to you on whether refinancing or consolidating could put you ahead. It takes about two minutes, there is no obligation, and talking to us does not affect your credit score.
Prefer email? Reach Andrew at [email protected]