Your home is likely your largest asset — and the equity built up in it can be a powerful tool. Whether you want to access that equity for a specific purpose or bring multiple high-rate debts under one roof, we structure the approach so it genuinely improves your financial position.
Book a free consultationEquity release — accessing the usable equity in your home through a cash-out refinance or equity loan for renovations, investment deposits, education or other purposes.
Debt consolidation — rolling high-interest personal loans, credit cards and other debts into your home loan to reduce your monthly outgoings and total interest paid.
Combined restructuring — simultaneously releasing equity and restructuring existing debts into a single, well-structured loan that reduces complexity and cost.
These two strategies are often used independently but can also be combined into a single restructuring that addresses both goals at once.
Equity is the difference between your property's current market value and the outstanding balance on your mortgage. As your property grows in value and your loan reduces, usable equity accumulates — and it can be accessed without selling the property.
Most lenders allow you to access equity up to 80% of your property's current value without triggering Lenders Mortgage Insurance. We calculate your usable equity precisely, assess your serviceability for the higher loan amount, and structure the release cleanly — either through a cash-out refinance of your existing loan or a separate equity loan facility.
Personal loans, credit cards, car finance, buy-now-pay-later and store cards typically carry interest rates between 12% and 25% — significantly higher than home loan rates. Consolidating these debts into your home loan can dramatically reduce the total interest you pay and simplify your monthly cashflow into a single repayment.
However, consolidation is not always the right move. Rolling a short-term debt into a 30-year mortgage can mean paying more over time, even at a lower rate. We model the full cost — including repayment term adjustments — before recommending any consolidation.
Not all equity can be accessed. Most lenders cap borrowing at 80% of your property's current value — the amount above your outstanding loan balance and below that 80% threshold is your usable equity.
For example: a home worth $900,000 with a $500,000 outstanding loan has $400,000 in total equity. But usable equity is calculated as ($900,000 × 80%) − $500,000 = $220,000. That $220,000 can be accessed without incurring LMI.
Accessing equity above 80% LVR is possible but requires Lenders Mortgage Insurance — we'll calculate whether the cost is justified by the purpose.
The $180,000 above 80% LVR can be accessed but triggers Lenders Mortgage Insurance. We calculate the LMI cost against the purpose to determine whether it makes sense.
Illustrative example only. Individual outcomes depend on loan terms, lender rates and repayment behaviour.
4 separate repayments, 4 lenders, 4 direct debits, variable rates across all.
1 repayment, 1 lender, $1,306 / month cashflow improvement. Total interest saving depends on repayment term and behaviour.
Consolidating shorter-term debts (a 3-year car loan, a 5-year personal loan) into a 30-year mortgage reduces your monthly repayment but can significantly increase the total interest paid over the life of the loan — even at a lower rate. We always model both the short-term cashflow benefit and the long-term cost before recommending consolidation. In many cases, we suggest increasing your repayment slightly above the minimum to capture both the cashflow benefit and avoid long-term interest drag.
A thorough review before any recommendation — we never suggest equity release or consolidation without modelling the full picture.
We map your current loans, debts, income, property value and equity position — building a complete picture before suggesting any course of action.
We model the full cost of each scenario — equity release amount, consolidated loan structure, repayment term adjustments and total interest impact — so you can make an informed decision.
We compare lenders on rate, cash-out policy, LMI thresholds and flexibility — selecting the option that best matches your equity release or consolidation structure.
We manage the application through to settlement, ensure debts are cleared correctly and check in regularly to review whether the new structure continues to serve your goals.
Equity release and debt consolidation are powerful tools — but they're only beneficial if the numbers genuinely work in your favour. We run a full cost-benefit analysis on every scenario, not just the monthly cashflow improvement.
Some clients come in expecting to consolidate and leave better off without doing so — because the break costs, LMI or long-term interest outweigh the short-term benefit. We'd rather tell you that clearly than place a loan that costs you more.
We model both simultaneously — the immediate repayment reduction and the total interest paid over the remaining loan term. Most clients find a repayment slightly above the new minimum captures both benefits.
Released equity is most effective when it has a clear purpose — whether that's a property deposit, a renovation that adds value, or debt reduction with a defined payback timeline. We help you articulate the plan before drawing the funds.