Debt Consolidation

    Simplify Your Debt. One Payment. Lower Rate.

    If you're juggling multiple loans, credit cards, or hire purchase agreements, consolidating into a single mortgage or personal loan can reduce your total repayments and free up cash flow.

    How Debt Consolidation Works

    Three steps from juggling bills to a single, predictable payment.

    01

    List all your debts

    Credit cards, car loans, personal loans, hire purchase — every balance, rate and due date.

    02

    We calculate the combined balance

    Then find the most cost-effective loan to wrap them into, comparing ANZ, ASB, BNZ, Co-operative Bank and our non-bank lender panel.

    03

    One payment, clearer payoff

    You make a single payment, typically at a lower total rate, with a clear debt-free date.

    Is Consolidation Right for Me?

    • You have 2+ debts with different due dates and rates
    • Your credit card interest is above 18%
    • You have equity in your home or a regular income stream
    • You want a single, predictable monthly payment

    Note: Consolidating into a long-term mortgage may reduce monthly payments but increase total interest paid over time. We will show you both scenarios clearly before you decide.

    Estimate Your Consolidated Repayment

    Use the mortgage repayment calculator to estimate what your new single repayment might look like after consolidation.

    See If Consolidation Makes Sense for You

    Free 20-minute chat. No commitment. Both scenarios shown clearly.