ATTENTION: Homeowners feeling overwhelmed by multiple debts

Simplify Your Debts. Reduce the Pressure. Start Fresh

We help homeowners consolidate personal loans, credit cards and buy-now-pay-later debt into their home loan — so repayments are simpler, lower, and easier to manage.

CLICK BELOW TO WATCH FIRST!

Next Step: Complete The Form Below To Start Your Application

TESTIMONIALS

What others are saying

For homeowners juggling multiple debts

(and wanting one clear, manageable repayment)

For example...

Multiple credit cards

After Pay

Car Loans

Personal Loans

mortgage repayments

STILL NOT SURE?

Frequently Asked Questions

Here's what we usually get asked

So how does it work?

We start by looking at everything together; your home loan, credit cards, personal loans, car loans or buy-now-pay-later balances.
We then assess whether it makes sense to roll eligible debts into one loan so you have one clearer repayment instead of many.

How can you help me?

By consolidating your debts into one loan
It can:

- reduce the number of repayments you’re juggling

- lower overall monthly repayments

- improve cash flow

- remove the mental load of multiple debts

The goal is to help you feel back in control; not just financially, but mentally too.

How long will it take?

Timeframes vary depending on your lender and situation, but once we have the information we need, most outcomes are achieved within a few weeks.

What does it cost?

There’s no cost to explore your options.
If you decide to proceed, any costs or fees are explained upfront so you can make an informed decision no surprises.

How We Help You Simplify Your Finances and Reduce the Pressure

Step 1: Understand your full picture

We start by looking at all your debts together; home loan, credit cards, personal loans, car loans and buy-now-pay-later and how they sit alongside your income, repayments and goals.

This gives us a clear view of where the pressure is coming from and what you’re trying to achieve.

Step 2: Explore a better solution

We then assess whether consolidating those debts into one loan could make sense for you.

That means looking at suitable lenders, rates and structures that could
lower repayments, simplify cash flow, and move you closer to your financial goals not just now, but longer term.

Step 3: Make the move simple

If the numbers stack up, we manage the process of moving everything across into one clear, manageable repayment.

Fewer bills, less mental load, and a clearer plan forward with support at every step.

Ready to get started?

get to know us

Hey, I'm Ben Harris

I’m a mortgage broker who genuinely enjoys helping people make sense of their money and feel more confident about their financial decisions.

I grew up around property and finance, so I’ve seen firsthand how the right structure and support can make a huge difference to someone’s life and how stressful things can become when people don’t have clear information or options.

I’m known for explaining things in a way that actually makes sense. No jargon, no pressure, just clear conversations so people can understand what’s possible and decide what feels right for them.

Over the years, I’ve helped hundreds of clients navigate home loans, refinancing and complex financial situations. I’ve also been recognised in the industry as Australia’s Rising Star broker, largely for my focus on customer service and the way I put clients’ best interests and long-term goals at the centre of every decision.

For me, it’s never just about the loan. It’s about making sure people feel informed, supported and comfortable every step of the way.

2026 Better Business Awards - Best Regional Broker (Finalist)

2026 Better Business Awards - Best Customer Service - Individual (Finalist)

2025 Australian Broking Awards - Rising Star (Winner)

2025 Australian Broking Awards - Customer Service of the Year - Individual (Finalist)

Ready to sort out your finances?

This information is general in nature and does not constitute personal advice. Examples are illustrative only. Credit approval and outcomes are subject to lender criteria. Consolidating debt may increase the total interest payable over time.