Services — Debt Consolidation

Too many lenders, too many repayments. Let's fix that.

Combine your debts into one manageable repayment — often at a significantly lower rate. Credit cards, personal loans, car loans — we pull it all together and put you back in control.

One repayment
Lower rate
Simplify finances
Credit cards & loans
Services — Debt Consolidation

Get started today

Fill in your details and we'll be in touch to discuss your options.

What's included
  • One repayment
  • Lower rate
  • Simplify finances
  • Credit cards & loans
Key things to know
One repayment instead of manyManaging multiple debts across different lenders is stressful and expensive. We consolidate everything into one clean repayment — so you know exactly what you owe and when it's due each month.
Significantly lower interest rateCredit card debt at 20%+ and personal loan debt at 12%+ costs you a fortune in interest. Rolling these into a home loan or secured personal loan at a much lower rate can save you thousands every year.
Free up monthly cash flowWhen your monthly debt repayments drop, you have more cash available each month. That's money you can put towards your mortgage, investments, or just getting ahead in life.

Make an enquiry

Fill in your details and we'll be in touch to discuss your options.

Name, email and phone required to proceed.

Your details are safe. We'll never spam you.

What we do for you

One loan, one repayment,
one lower rate

01

One repayment instead of many

Managing multiple debts across different lenders is stressful and expensive. We consolidate everything into one clean repayment — so you know exactly what you owe and when it's due each month.

02

Significantly lower interest rate

Credit card debt at 20%+ and personal loan debt at 12%+ costs you a fortune in interest. Rolling these into a home loan or secured personal loan at a much lower rate can save you thousands every year.

03

Free up monthly cash flow

When your monthly debt repayments drop, you have more cash available each month. That's money you can put towards your mortgage, investments, or just getting ahead in life.

04

We assess what's worth consolidating

Not all debt makes sense to consolidate. We look at each debt, its rate, remaining term, and any exit fees — then recommend exactly which debts to roll in and which to leave alone.

05

Reduce financial stress

Multiple debts and multiple due dates create real mental load. Simplifying everything into one payment removes that friction and gives you a clearer picture of your financial position.

06

Build towards being debt free

With a lower rate and a single structured repayment, you can set a clear timeline to becoming debt free — and stick to it without juggling multiple lenders.

How it works

Simple steps,
real results

01

Tell us your situation

Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.

02

We find your options

We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.

03

We handle everything

Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.

04

You get the result

We stay in touch after the deal is done to make sure everything keeps working hard for you.

Common questions

Debt Consolidation FAQs

What types of debt can be consolidated?
+
Most debts can be consolidated — credit cards, personal loans, car loans, buy now pay later, and sometimes even tax debts. The most common approach is rolling high-interest debts into a lower-rate personal loan or, if you own property, into a home equity loan.
Does debt consolidation hurt my credit score?
+
Are there fees to exit my current loans?
+
What if I don't own property — can I still consolidate?
+

Ready to get started?

No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.

0403 172 610 info@kickfinance.com.au Book a call
Debt Consolidation Loans Sydney | Kick Finance Mortgage Broker