Will consolidation always lower my repayments?

Almost always monthly, because home-loan-level rates replace card and personal-loan rates. Long-term cost depends on the term — which is why we structure consolidated portions to be paid off fast.

What interest rate would my consolidation loan be?

Secured against property: home loan territory. Unsecured personal consolidation: higher, but typically still far below credit card rates. Your profile decides — we'll price it properly.

Which debts should I consolidate first?

Highest-rate debts (cards, store finance) deliver the biggest gains. Very small balances or nearly-finished loans sometimes aren't worth moving. The calculator helps; our review confirms.

Can I consolidate with a poor credit history?

Often yes, through specialist lenders — frequently as a two-step plan: consolidate and stabilise now, refinance to mainstream rates after a clean run.

Free Tool

Debt Consolidation Calculator

List your current debts and see what a single consolidated repayment could look like. The monthly relief is usually dramatic — and with the structure we add, it becomes real progress rather than a longer debt.

Credit card

Balance ($)

Monthly repayment ($)

Personal loan

Balance ($)

Monthly repayment ($)

Car loan

Balance ($)

Monthly repayment ($)

Consolidated loan rate6.2%

4%15%

Consolidated loan term7 years

1 yr20 yrs

Monthly cash flow improvement

$605

Total debt$52,000

Current total repayments$1,370

New single repayment$765

Shorter consolidation terms cost more monthly but far less overall. We structure consolidations so the saving pays debt down, not just stretches it.

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