Equity Release: A way for homeowners to release cash from the value of their home, either as a lump sum or in installments, while still living in the property.
Debt Consolidation Loans Made Simple: Compare & Apply Today
Debt Consolidation Australia: If you want fast, efficient access to prudent Debt Consolidation advice, information and quotes, you have
definitely come to the right place!!
Getting connected with the right solution
At Debt Consolidation Australia we realise that investigating Debt Consolidation options can be traumatic, time consuming and that you most
likely have considerably better things you would prefer to spend your day doing. So why not let us help by introducing you to a licensed broker or adviser? Our broker-matching service is provided at no cost to you and without any obligation on your part, and we do not provide personal financial advice or credit assistance ourselves.
Specialist Advice
Debt Management is a specialist field and, whilst there are many financial institutions, financial planners and other advisers that can
provide debt help, when seeking advice it is advisable to seek the services of a licensed adviser who focuses on
debt consolidation. Through this website, your enquiry is referred to such a licensed broker or adviser; Debt Consolidation Australia itself does not provide personal financial advice.
Compare rates and options
Debt Consolidation options vary significantly and cannot be compared on price alone - as there may be significant advantages in taking one course
of action over another. This is where it is critical that you are working with someone – such as the licensed broker or adviser we introduce you to – who is fully aware of your personal situation, your reasons
for wanting the assistance and, most importantly, has access to the products and advice most suitable for your specific needs.
Connect with a Debt Management Planner
When you submit a debt consolidation loan request form on this website, we will use your answers to match your enquiry with a licensed adviser from our broker referral panel, based on your stated needs and our internal matching criteria. This is an introduction service only and does not involve us assessing whether any particular product is suitable for you.
Specifically, your enquiry will be directed to a licensed broker or adviser with experience in debt management and debt consolidation, serving your area.
Submitting a request does not constitute financial advice from Debt Consolidation Australia; we will introduce you to the matched adviser, who will provide any quotes, comparisons or advice. Once you are connected, you can start your enquiry for a personally tailored debt management and debt consolidation loan quote with that adviser. ...Go...
Our broker partners will seek to provide you with competitive rates and a range of options from their panel of lenders once you are introduced to them. Actual rates may vary based on your circumstances and not all lenders are represented. Debt Consolidation Australia does not compare or recommend specific loans, products or lenders; any comparisons are provided by the broker or lender you deal with.
Personal Advice
Debt Consolidation Australia does not provide personal financial advice or credit assistance directly. All enquiries, including quote comparisons, credit assistance and any form of personal advice, are handled by a licensed broker or lender with experience in debt consolidation, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.
Broker Matching
A licensed finance broker or lender with experience in debt consolidation will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your debt consolidation quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.
Free service
Our service is free to the public. We may receive a referral fee or commission from your matched broker - regardless of whether you choose to proceed with any of their recommendations. Any fee paid to us by your broker is a general marketing expense and is not directly passed on to you nor added to your loan.
Frequently Asked Questions
Warning to Borrowers: Unsecured personal loans
The following information is specific to unsecured personal loans.
Minimum period for repayment 6 months, maximum period 5 years.
The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans.
Longer
term loans for larger amounts may be available for an APR of 15% or lower.
For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as
much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you
borrowed.
Debt consolidation loans are not suitable for everyone. Consolidating debts may not reduce your overall repayments or total interest costs and, where debts are secured against assets such as your home, you could lose that asset if you cannot keep up with repayments. Consider all options carefully and seek professional advice before proceeding.
Welcome to our comprehensive guide where we aim to debunk common myths surrounding debt consolidation and debt reduction. This blog post serves as a beacon of clarity for those who find themselves navigating through the choppy waters of financial jargon and conflicting information. - read more
Creating a family budget might sound daunting, but it’s an essential step toward financial wellness. It’s about understanding where your money comes from and where it goes, allowing you to make informed decisions about your spending and savings. A well-planned budget can be the key to reducing financial stress and ensuring a secure future for your family. - read more
In the realm of financial wellness, tracking your monthly expenses is a crucial step towards effective debt management. Many Australians grapple with the challenges of keeping their debts under control, particularly in a dynamic economic environment. - read more
Welcome to our guide on avoiding common mistakes when consolidating debts. We're glad you're here, as taking the time to educate yourself is a crucial step towards financial well-being. - read more
Welcome to Financial Planning 101: How to Get Ahead of Your Debt! If you're feeling overwhelmed by your financial situation, you're not alone. Many people struggle with managing debt and finding ways to achieve financial stability. - read more
A fresh round of lender competition is giving some Australian borrowers a reason to review their debts, but the benefits are not being shared evenly. Canstar reported on 16 July 2026 that 23 lenders have cut at least one variable home loan rate since 1 May, despite the Reserve Bank’s rate hikes in February, March and May. The catch is that these reductions are aimed at new borrowers, or existing customers willing to refinance and effectively become new customers elsewhere. - read more
Australian credit card debt is again moving in the wrong direction, with Canstar’s latest analysis of Reserve Bank of Australia figures showing personal credit card debt accruing interest reached $19.4 billion in May 2026. The increase was $61 million for the month, and while that may look modest beside the national total, it signals a deeper issue for households already stretched by rent, mortgage repayments, groceries, utilities and other everyday costs. - read more
A new Finder survey published on 29 June 2026 has put a spotlight on how stretched many Australian households have become. Finder reported that 38% of Australians, or more than 8.1 million people, expect a tax refund this year. Of those expecting money back, 18% said the refund is critical to their financial wellbeing, equating to about 1.5 million taxpayers. - read more
ASIC’s 24 June 2026 car finance review is a timely warning for Australians who rely on a vehicle for work, family care and essential travel. The regulator examined data from more than 350,000 loans across eight car finance providers and found concerns around third-party distribution, sales practices, fees, hardship support and outcomes after repossession. - read more
The Reserve Bank of Australia has issued a fresh warning that Australia’s financial system needs to be ready for a more unstable and disruption-prone future. In a 17 June 2026 speech, Assistant Governor Brad Jones pointed to rising geopolitical tension, cyber threats, foreign interference, sanctions risk and pressure on critical payments infrastructure as issues financial institutions can no longer treat as remote concerns. - read more
