Debt Consolidation
Combine multiple loans, credit cards or personal debts into one simplified monthly payment — often at a lower blended interest rate.
One Payment Instead of Many
Juggling several loans and credit cards each month can be stressful and expensive, especially with high-interest revolving debt. Debt consolidation combines your outstanding balances into a single facility with one fixed monthly payment — making it easier to plan and potentially reducing your total interest cost.
- Simplify multiple bills into a single monthly payment
- Potentially lower your blended interest rate
- More predictable monthly cash flow
- Reduce the stress of managing multiple creditors
Estimate Your Consolidation Savings
See how combining your debts could simplify your monthly payments.
Estimates only — actual rates and eligibility are determined by the respective banks. See all calculators →
Is Debt Consolidation Right for You?
Multiple Credit Cards
You're paying high interest across several cards and want one manageable payment.
Personal Loans
You have several personal loans and want to simplify repayment into one plan.
High Monthly Commitments
Your total monthly repayments are straining your cash flow and you need relief.
Know Your Property's True Market Value
An accurate property valuation is a key step whether you’re refinancing, applying for a home loan, or exploring a cash-out option. We help coordinate professional property valuations with licensed valuers, so you understand your property’s current market value before making a decision.
- Supports refinance and cash-out applications
- Helps you understand your home equity
- Coordinated with licensed, qualified valuers
- No obligation to proceed after receiving your valuation
Request a Property Valuation
Share your property details and our team will get back to you within 1–2 business days.
How Debt Consolidation Works With Us
List Your Debts
Share your current loans, cards and monthly commitments.
Assessment
We calculate your blended rate and potential savings.
Compare Options
We shortlist consolidation facilities that fit your profile.
One Simple Payment
Your debts are settled and replaced with a single monthly plan.
Debt Consolidation Questions
Will debt consolidation actually save me money?
It depends on your current interest rates versus the consolidated rate offered. Try our Debt Consolidation Calculator for an estimate based on your figures.
What types of debt can be consolidated?
Commonly credit card balances and personal loans. Eligible debt types vary by financial institution — we’ll advise based on your situation.
Will this affect my credit score?
Consolidating debt itself is not inherently negative, but any new credit application may involve a credit check. Consistent repayment on the new facility can support your credit profile over time.
Is consolidation the same as debt settlement?
No. Consolidation combines your debts into one new facility that you continue repaying in full — it is not a reduction or waiver of what you owe.
Simplify Your Debts Into One Payment
Free, no-obligation consultation with our advisory team.