Debt consolidation loans, Ipswich to Australia-wide

Multiple repayments, multiple interest rates, and no clear end in sight. We restructure your debt so you have one manageable payment and a clear path forward.

Debt Consolidation

One repayment. One interest rate. One less thing to stress about.

Credit cards at 20%+, personal loans at 12 to 15%, and a car loan on top of your mortgage. Managing multiple debts is expensive and mentally exhausting. Debt consolidation rolls these into a single facility, typically at a much lower interest rate.

If you own property, you may be able to consolidate high-interest debt into your mortgage or a top-up facility, significantly reducing your total monthly obligations. If you don't yet own property, we can identify personal loan consolidation options that make more sense than what you're carrying now.

We structure these carefully. Rolling short-term debt into a long-term mortgage isn't always the right answer. We model the total cost and recommend what genuinely improves your position.

Our article on when refinancing your mortgage actually makes sense covers the break costs that often decide whether folding debt into your mortgage is worth doing, and the piece on how being self-employed affects your mortgage application is worth reading if your income varies year to year. See also refinancing and the loan structures explained on our home loans page.

Get a No-Obligation Debt Review

Working out debt consolidation repayments with a calculator and statements

What We Can Help With

Debt types we regularly deal with

Credit Card Debt

Credit cards typically charge 18-25% interest. Consolidating into a mortgage facility at 6-7% can dramatically reduce your monthly interest cost.

Personal Loans

Personal loans at 10-20% are a common debt burden. We explore whether these can be rolled into a lower-rate facility tied to your property.

Car Loans

Car finance can be expensive. While we assess total cost carefully (since vehicles depreciate), rolling car debt into a mortgage can free up significant monthly cash flow.

Hire Purchase

Hire purchase and buy-now-pay-later debt often carries high effective interest rates. Consolidation can simplify and reduce these obligations significantly.

Multiple Mortgages

If you have mortgages across multiple lenders, we can often consolidate these into a single, better-structured loan with a single repayment.

Overdrafts

Bank overdrafts and revolving credit facilities with high utilisation are expensive. We help restructure these into a facility that actually helps you pay down debt.

How It Works

A debt review in four steps

01

Map your current position

We list all your debts (balances, rates, and monthly repayments) and calculate your total interest cost.

02

Model the consolidation

We show you what consolidation would look like, including total interest saved and new monthly repayment.

03

Find the right facility

We identify the lender and product that's right for your situation and get approval.

04

Execute the restructure

We manage the refinance process, pay out existing debts, and leave you with one clean, lower-cost repayment.

Is debt consolidation right for you?

Consolidation isn't always the right move. We'll tell you honestly if staying with your current structure makes more sense. Our goal is to genuinely improve your financial position, not just move debt around.

What to bring

List of all debts (balance, rate, monthly repayment)
Most recent bank statements (3 months)
Payslips or income evidence
Current mortgage statement (if applicable)
Photo ID

Book a No-Obligation Debt Review

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What our clients are saying.

Real reviews from real South-East Queensland families we've helped through their mortgage journey.

“Biju from Indus Mortgages made my home-buying experience smooth and stress-free. He explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”

“Thanks to Biju for assisting us to buy our new house. When speaking with him it’s always like talking with a friend. Answers promptly to the calls, though he is busy at times. Highly recommended.”

“Excellent service. Biju guided us through every step and helped us secure the best option for our home loan. Thanks for the great support.”

“Biju is a very approachable adviser. He did his part very well right from the start. Regular follow-up from him helped us a lot. All the best to Biju and the Indus Mortgages team.”

“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”

“Thank you Indus Mortgages for advising me and helping to land my first home. So responsive and patient throughout my journey. Highly recommend Biju for advice.”

“We are thankful to Biju for assisting us to buy our first home. The service provided was excellent. Biju is always approachable, knowledgeable and proactive.”

“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”