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Simplify high‑interest debt
Consolidate the noise. Free up cash flow.
Credit cards, personal loans, car finance and hire purchases can quietly eat thousands each year. If you have equity in your home, consolidating that debt into your mortgage — alongside a disciplined repayment plan — can free up serious monthly cash flow.
Overview
How I help you with debt consolidation.
Credit cards, personal loans, car finance and hire purchases can quietly eat thousands each year. If you have equity in your home, consolidating that debt into your mortgage — alongside a disciplined repayment plan — can free up serious monthly cash flow.
Consolidate high‑interest debt
Roll credit cards, personal loans and hire purchases into your mortgage at a much lower rate.
Structured repayment plan
A clear plan to pay down the consolidated debt aggressively — not simply drag it across 30 years.
Cash flow relief today
Immediately reduce your total monthly repayments to give you breathing room.
Honest assessment
Consolidation isn’t right for everyone. I’ll tell you honestly whether it makes sense in your situation.
Who this helps
Is this the right service for you?
1
Homeowners juggling multiple high-interest debts
2
Families feeling the pinch of monthly personal-loan repayments
3
Couples with home equity looking to simplify their finances
4
Anyone paying 15%+ on credit cards for extended periods
Common mistakes
The mistakes I help clients avoid.
Rolling short-term debt into a 30-year mortgage without a payoff plan
Freeing up credit-card limits after consolidating and re-accumulating debt
Consolidating without checking eligibility for a rate discount at the same time
Ignoring lender servicing when factoring in the consolidated repayments
FAQ
Frequently asked questions.
Typically yes, over time — reducing balances and closing accounts tidies your credit file. Short-term impact varies.
Subject to available equity and servicing. I'll model it for your specific situation on the discovery call.
No. If the consolidated loan will simply drag short-term debt across decades, I'll advise against it.
Case study
How Aroha & Sam in Hamilton got there.
Situation
$34,000 across two credit cards, a car loan and a personal loan — combined monthly repayments of $1,180.
Approach
Refinanced their mortgage to consolidate the four debts and structured a separate 5-year table portion so the debt didn't get dragged across 30 years.
Outcome
Total monthly repayments reduced by $640. On track to fully clear the consolidated portion within 5 years.
Client details anonymised for privacy. Outcomes vary based on individual circumstances and lender policy at the time of application.
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Explore more services
Other ways I can help.
Next step
Ready to talk?
Free 30‑minute discovery call. No obligation, no jargon.