Positive Solutions Finance is more than just a Specialty Lender.

We provide a suite of financial services to help improve your overall financial position.

We help to destroy your debt and get your finances back on track.

What Can Positive Solutions Finance do for you?

We offer a range of services designed to help you consolidate your debts and improve your cash flow.

Home Loans

Are you are self-employed, a part-time or casual worker? Have you had previous credit problems or are behind on your payments? Have you been declined by a major bank? We can help!

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Mortgage Refinancing

Struggling to find a lender who will lend enough funds to cover all your debts. Positive Solutions Finance offers loan solutions to people who would otherwise be declined.

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Business Loans

Positive Solutions Finance can help to consolidate company debt, whether this be trade creditors, tax debt or to assess more working capital. We have a simple solution for you.

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Debt Consolidation

Consolidate all of your debts by refinancing them into a new home loan. Take advantage of having one, easy-to-manage debt repayment and enjoy a better cash flow.

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Debt Settlement

We negotiate with your creditors to achieve reduced lump sum settlements in satisfaction of your unsecured debts. Which can be funded through your new home loan.

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Repayment Arrangements

We negotiate privately with your creditors to reach a new, legally binding, affordable repayment arrangement for your debts, which won’t impact your credit file.

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We see things differently, let us help you consolidate your debts, reduce your repayments and improve your financial position.

Debt Consolidation
Home Loans
Mortgage Refinancing

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Our Process

We combine consolidation and debt negotiation with specialised lending products to help you improve your finances and get on with life!

Assessment and Application

We will assess your financial situation, make a recommendation on consolidating your debts and prepare your loan application.

Processing and Negotiation

We will process your loan for conditional approval and negotiate with your creditors to reduce the debt you owe, improving your borrowing capacity.

Approval and Settlement

Once our negotiations are complete and your loan is finalised, we will settle all your debts and you will be stress-free to get on with your life.

Our Lending Partners

We work with hundreds of lenders including the major banks, smaller banks, credit unions and non-conforming lenders to be able to find a loan product suited to your situation. Take the stress out of finding finance and let us do the grunt work for you.

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