Debt Consolidation
Compare the full cost and risks of combining debts before making a change.
Request a free consultationLook beyond the monthly repayment
Bradley can review your existing debts and help assess whether consolidating them into a home loan is suitable. We start with the balances, terms and costs you have today, and explain what would change.
- Total cost: A longer repayment term can increase total interest even if the monthly payment or interest rate falls.
- Security: Adding unsecured debt to a mortgage puts your home at risk if you cannot meet repayments.
- A repayment plan: We discuss the proposed term and how you intend to avoid building up new balances after consolidation.
How we can help
- List your debts and discuss the outcome you need.
- Compare repayments, total costs and risks against the current arrangements.
- Decide whether an application is appropriate after reviewing the available options.
Choose an end date for each debt
Ask for a comparison of keeping the debts, repaying them separately and consolidating them. Show the total interest and fees, the repayment needed and the date each option would leave you debt-free.
If consolidation is suitable, discuss whether the added debt can be tracked separately with a shorter repayment target. A lower mortgage rate does not justify leaving a short-term debt in the home loan for decades. Agree what happens to old credit facilities so new balances do not rebuild.
Help if repayments are already difficult
Contact your lender’s hardship team early. You can also speak with a free, confidential financial counsellor through the National Debt Helpline on 1800 007 007. ASIC Moneysmart lists counselling services. A new loan is not the only way to get support.
Common questions
Does a lower monthly repayment mean I save money?
No. The debt may be repaid over a much longer period. Compare total interest and fees as well as the monthly amount.
What if I am already struggling with repayments?
Contact your lender about hardship assistance. Free financial counselling is also available; Moneysmart explains these options alongside the risks of refinancing.
Read common loan questions · Explore calculator estimates
Further reading
Information updated 9 September 2026. Eligibility and lender policies can change. The linked sources explain the relevant criteria; they are not a confirmation of your eligibility or our lender access.
Discuss your next step
Tell Bradley about your plans and the questions you would like to cover. We will respond to arrange a conversation.
Request a free consultation