Key Points
What is debt consolidation? Debt consolidation refers to the process of combining some or all of your debts into your home loan so that you have one simple monthly repayment at a comparatively lower interest rate.
Debt consolidation refers to the process of combining some or all of your debts into your home loan so that you have one simple monthly repayment at a comparatively lower interest rate.
How much can I borrow?
- Borrow up to 95% of the property value if you have a clean credit history and all of your repayments have been paid on time.
- Borrow up to 80% of the property value if you have missed payments recorded on your file but you’ve been making your payments on time for the last 6 months.
- Borrow up to 75% of the property value if you have missed repayments or other serious credit impairments.
- Borrow up to 95% of the property value if you have a clean credit history and all of your repayments have been paid on time.
- Borrow up to 80% of the property value if you have missed payments recorded on your file but you’ve been making your payments on time for the last 6 months.
- Borrow up to 75% of the property value if you have missed repayments or other serious credit impairments.
What interest rates are available? Standard home loan rates available if we can get you approved with a major lender.
If you have a bad credit history or have missed repayments then you may still qualify with a specialist lender at a higher interest rate. After a year or two, you may meet the criteria of major lenders and can refinance to a lower interest rate.
Standard home loan rates available if we can get you approved with a major lender.
If you have a bad credit history or have missed repayments then you may still qualify with a specialist lender at a higher interest rate. After a year or two, you may meet the criteria of major lenders and can refinance to a lower interest rate.
Lenders available: Select banks and non-bank lenders available. Contact us to learn more.
Select banks and non-bank lenders available. Contact us to learn more.
Discover if you qualify: Talk to one of our specialist mortgage brokers.
Talk to one of our specialist mortgage brokers.
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