Rolling high-interest debt into your home loan could save you hundreds each month.
Credit card rates average 20%+ per annum. Home loan rates are significantly lower.
Why consolidate
The case for simplifying your debt
One repayment, one rate, one lender — simpler to manage and often significantly cheaper.
One
Single repayment
Consolidate multiple debts into one loan with one repayment date — simpler to manage and easier to budget.
Lower rate
Reduce your interest
Home loan rates are significantly lower than credit card and personal loan rates.
Free
Expert advice at no cost
We are paid by the lender at settlement. Consolidation advice and support at no cost.
How it works
How we get you the right loan
Simple, clear, no surprises.
1
Map your debts
We list all your current debts, rates, and repayments to build a clear picture of your total position.
2
Calculate the saving
We show you exactly how much you could save by consolidating.
3
Find the right structure
We identify the best consolidation approach — home loan top-up, refinance, or personal loan.
4
Execute and simplify
We manage the application and settlement so your debts are cleared and you have one clean repayment.
Real stories, real results
5.0 from 124 Google reviews
Rated five stars across the board — built on honest advice, genuine care, and outcomes that make a real difference in people's lives.
Verified Google review
"Both Steve and Jason have been amazing. They answered all our questions and linked us with a great conveyancer. Would give ten stars if we could."
TB
Talitha Budd
★★★★★
"Refreshing to speak with someone open and honest. Advice tailored to my needs and genuinely in my best interest."
Jess Vogel
3 weeks ago
★★★★★
"Jason's expertise and unwavering support made what could have been a stressful journey feel seamless and manageable."
Dylan Daws
24 weeks ago
Meet your Adelaide team
Jason and Steve are here to help
Personalised lending support across Adelaide. Book a chat and we will guide you from first questions to settlement.
Jason Given
Director & Mortgage Broker
With a passion for finding solutions and a special interest in complex lending needs, Jason brings expertise and genuine empathy to every client relationship.
Steve Chin
Mortgage Broker
With over 15 years in finance, Steve is known for going above and beyond. His mission has always been to simplify the process and get the best outcome every time.
Office
562 Goodwood Road, Daw Park SA 5041
Phone
Hours
Mon–Wed 9am–7pm · Thu–Fri 9am–5pm
Weekends by appointment
Weekends by appointment
Common questions
Frequently asked questions
Straight answers from your Adelaide mortgage brokers.
Credit cards, personal loans, car loans, and buy-now-pay-later balances.
Not necessarily — extending short-term debt increases total interest. We show you the full picture.
It depends on your debts and rates. We calculate your specific saving before you commit.
Yes — completely free. We are paid by the lender at settlement.