Too many debts?
Too many high-interest payments?

Could your home loan help bring them together?

If you own your home and have equity, it may be worth exploring whether eligible debts could be consolidated into your home lending.

Credit cardsCar loansPersonal loansStore cardsBuy Now, Pay Later

Explore My Options

Call us for No-obligation initial conversation - 0800 786 348

Let's see if it's worth exploring

Tell us a little about your situation. We'll contact you for a conversation — this isn't an approval or lending offer.

What we'll look at

Your existing lending

We look at your current mortgage and overall lending position rather than treating each debt in isolation.

Your other debts

We can discuss eligible credit cards, car loans, personal loans, store cards and Buy Now, Pay Later commitments.

Your available options

Depending on your circumstances, options could include a top-up, restructure, debt consolidation or refinance.

A conversation first. A decision later.

Tell us

Give us a snapshot of your situation.

We assess

We'll discuss what may or may not be possible based on your circumstances.

You decide

You can then decide whether you want to take the next step.

One important thing

Consolidating debt into a home loan isn't automatically the right option. While home lending may have a lower interest rate than some unsecured debts, extending debt over a longer term can increase the total interest paid. Any option needs to be assessed against your circumstances, affordability and lender criteria.

Too many debts?Too many high-interest payments?