Debt consolidation
Combine multiple debts into one simple home loan debt consolidation payment. Save money on interest, reduce stress, and regain control of your finances. Buyvest mortgage brokers help you consolidate credit cards, personal loans, car loans, and more into a single manageable payment at competitive rates.
If you're juggling multiple loan payments with different due dates and varying interest rates, you're likely overpaying thousands annually. Home loan debt consolidation rolls all your debts into one home loan, typically at much lower interest rates. Buyvest mortgage brokers work with 35+ lenders to find you the best debt consolidation solution.
See how much you can save with home loan debt consolidation
Get your free home loan debt consolidation analysis from Buyvest mortgage brokers. Discover exactly how much you'll save by consolidating your debts into one manageable payment.
Free Debt Consolidation ReviewWhy use Buyvest mortgage brokers for home loan debt consolidation?
Access to 35+ lenders
Buyvest mortgage brokers work with banks, credit unions, and non-bank lenders. Different lenders have different criteria—we match you with the right one for your home loan debt consolidation needs.
No cost to you
Lenders pay our commission directly. You pay the same rate whether you go to the bank directly or through Buyvest mortgage brokers—but with expert home loan debt consolidation guidance included.
Time & money savings
Buyvest mortgage brokers navigate complex paperwork, coordinate valuations, and manage lender communications. We often save clients thousands in rates and fees on home loan debt consolidation.
Expert market knowledge
We understand Sydney's property market and home loan debt consolidation strategies. We guide you toward the best solution for your financial situation with Buyvest.
Fixed & variable options
Compare and choose between fixed, variable, or split loans tailored to your home loan debt consolidation situation. We explain pros and cons of each option.
Ongoing support
Buyvest mortgage brokers don't disappear after settlement. We're available to discuss refinancing, rate changes, and future home loan debt consolidation opportunities.
Why consolidate your debts with Buyvest mortgage brokers?
Save money on interest
Home loan rates (5-6%) are far lower than credit cards (15-20%) or personal loans (10-14%). Consolidating saves thousands annually.
Lower monthly payments
With a lower interest rate and extended term, your monthly payment drops significantly. Free up cash flow for your life.
Reduce stress & anxiety
Stop juggling multiple payments and dates. One simple payment reduces financial stress and makes budgeting easier.
Simplified budget
Manage one payment instead of five. Track spending easily and stay on top of your finances with one easy statement.
Improve credit score
Paying off credit cards improves your credit utilization ratio. Consolidation often boosts your credit score long-term.
Become debt-free faster
With lower interest, more of your payment goes to principal. Become debt-free sooner with strategic consolidation.
What debts can be consolidated using your home equity?
Credit Cards
Interest Rate: 15-22%
Can Consolidate: Yes (Major Saving)
Savings Potential: 60-75% reduction
Personal Loans
Interest Rate: 8-15%
Can Consolidate: Yes (Good Saving)
Savings Potential: 30-50% reduction
Car Loans
Interest Rate: 6-12%
Can Consolidate: Yes (Moderate Saving)
Savings Potential: 10-40% reduction
Buy Now Pay Later
Interest Rate: 0-20%
Can Consolidate: Yes
Savings Potential: Varies
Student Loans
Interest Rate: 5-7%
Can Consolidate: Limited
Savings Potential: Not recommended
Business Loans
Interest Rate: 5-10%
Can Consolidate: No
Savings Potential: N/A
Use our consolidation calculators
Calculate your savings, repayments, and plan your consolidation strategy with our free tools
What debt consolidation borrowers need to know
Advantages
- Significantly lower interest rates than credit cards or personal loans
- Single manageable payment instead of multiple debts
- Improved cash flow and budget management
- Potential credit score improvement
- Flexible repayment options available
- Become debt-free faster with lower rates
Important considerations
- Your home is used as security for the consolidated loan
- Defaulting puts your property at risk
- Additional costs like valuation and legal fees
- Extended loan term means paying interest longer
- Interest rates subject to market changes
- Responsible lending checks apply
How to apply for home loan debt consolidation with Buyvest
Applying for home loan debt consolidation is simple when you work with Buyvest mortgage brokers. Here's how to get a home loan debt consolidation and find the best home loan rates for your consolidation situation with our expert Buyvest mortgage brokers.
Discuss your home loan debt consolidation goals and financial plans with Buyvest mortgage brokers. Let us help you prepare for applying for home loan debt consolidation, including paperwork organisation and pre-approval. When consolidating debt, benefit from our expert guidance on consolidation options and best home loan solutions from Buyvest.
We review your finances and compare home loan debt consolidation options across 35+ lenders with Buyvest mortgage brokers. Buyvest explains your choices so you make the right call. Applying for home loan debt consolidation becomes easy when comparing rates and finding the right option for your situation.
We handle settlement, coordinate with solicitors, arrange property valuations, and provide ongoing support. After applying for your home loan debt consolidation, Buyvest mortgage brokers specialist team ensures smooth completion. Get your home loan debt consolidation approved and receive continued support throughout the entire process.
Documents needed for home loan debt consolidation application
Have these documents ready for your home loan debt consolidation application to streamline your approval process with Buyvest mortgage brokers and get approved faster.
Personal identification
Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate. We keep everything secure and confidential.
Proof of income
Two recent payslips from current employer, or 2 years' tax returns if self-employed. For contract/casual work, employment letters plus Pay As You Go (PAYG) summary.
Financial statements
Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.
Debt details
Statements for all existing debts: home loans, credit cards, personal loans, car loans. We need full details to calculate consolidation savings.
Property information
Recent property valuation or council rates notice showing your property address and estimated value for equity calculation.
Existing mortgage details
Current home loan statements and contact details of your existing lender for refinancing purposes.
What our consolidation clients say
"I was drowning in debt with 5 different payments. The brokers consolidated everything into one manageable payment. I'm saving $300/month and the stress is gone!"
"Went from 4 credit cards at 19% to one consolidated loan at 5.8%. The monthly savings are incredible. Best decision I've made for my finances."
"The team made consolidation simple and stress-free. Within 6 weeks, all my debts were gone and I had one easy payment. Highly recommend!"
Buyvest mortgage brokers serving Sydney & Australia wide
Buyvest mortgage brokers help homeowners across Sydney, regional NSW, and Australia with home loan debt consolidation and simplify their finances.
Ryde area suburbs
Greater Sydney regions
Regional NSW
See how much you can save with home loan debt consolidation
Get your free home loan debt consolidation analysis from Buyvest mortgage brokers. Discover exactly how much you'll save by consolidating your debts into one manageable payment with our expert brokers.
Free Debt Consolidation Review