Debt consolidation into your home loan, with the numbers in front of you

One repayment instead of six sounds simple, and often it is. But stretching a $20,000 car loan over 30 years can cost more than it saves. John specialises in debt consolidation refinances for Logan and Brisbane households: he adds up what you pay now, what you would pay after, and what it costs over the life of the loan, before you decide.

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Direct help from John · General information first · Rated 5.0 on Google

Author: John Carson-Zangor Credit representative: 537545 · ACL 387856 Last reviewed: 9 September 2026 Methodology: Human review of lender criteria and official sources Reviews: 5.0-star Google client reviews

Consolidation check

Does rolling it in actually help?

John lists every debt, its rate, its balance and its remaining term, then shows the monthly saving and the lifetime cost side by side. If the answer is no, you hear no.

NowWhat you pay each month todayAfterOne repayment, one rateLifetimeWhat the extra years cost

Every card, loan, BNPL and tax balance listed
Equity and loan-to-value check
Lender rules on how many debts can be consolidated
Cash-out purpose and paperwork
A plan to close the cards, not just clear them

General information only. No approval is promised. Any next step depends on the facts, documents, credit position and lender criteria.

Check whether consolidating helps

Rated 5.0 on Google · You deal with John directly

Tell John what you are trying to do. He will review the basics and get in touch to talk through your options.

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Privacy: John uses these details to respond to your enquiry. Please do not enter passwords, tax file numbers, account or card numbers, dates of birth or identity-document details. Detailed documents can be handled later through the appropriate secure process.

John aims to respond by the end of the next business day. Credit assistance is subject to assessment, lender policy and responsible lending requirements.

Debt consolidation policy checks

Lenders treat consolidation differently, and the differences decide whether it works.

How many debts, and which kinds

Some lenders cap the number of debts they will consolidate, some exclude business or tax debts, and a few take unlimited debts including tax balances. The mix you have decides the lender before the rate does.

Equity is the ceiling

Consolidation is a refinance with cash out. The total after consolidation has to fit under the lender's maximum loan-to-value, usually 80 to 90 percent of the property value, and above 80 percent it may cost mortgage insurance or a risk fee.

Conduct matters more than the balance

Late repayments on the debts being consolidated are what lenders look at hardest. Recent clean conduct opens mainstream lenders. Missed payments in the last six months usually mean a specialist lender first and a refinance up a tier later.

General information only. Lender policy changes often, and personal credit assistance depends on your objectives, financial situation and full assessment.

Debt consolidation questions

Will consolidating my debts lower my repayments?

Usually the monthly total drops, because home loan rates are lower than card and personal loan rates and the term is longer. John shows the monthly figure and the lifetime cost together so you see both.

Does it cost more in the long run?

It can, if a short debt is spread over 30 years and nothing else changes. The fix is to keep paying the old amount or set the consolidated portion to a shorter term. John models both.

Can I include ATO debt or business debt?

Some lenders allow it, some cap it, and some refuse it. John checks the lender's rule before the application, and there is a separate page on ATO debt and home loans.

Will consolidating hurt my credit score?

A refinance creates one enquiry. Closing paid-out cards and loans afterwards tends to help the file over time. Repeated applications hurt more than one well-placed one.

Do I have to close the credit cards?

Most lenders want the consolidated cards closed or reduced, and it is the sensible move. A card left open at its full limit is still counted in your servicing.

What if my property has not grown in value?

Then the equity may not cover every debt. John works out which debts are worth consolidating and which are cheaper to keep paying directly.

Can I consolidate if I have missed payments?

Sometimes, through lenders that look at the reason and the recent conduct rather than a score. Expect a higher rate first and a plan to refinance again once the conduct is clean.