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Are your debts out of control?

  • Consolidate your debts
  • Reduce your repayments
  • Improve your cash flow

Consolidate your debts into a new home loan with Positive Solutions Finance. Take advantage of having one, easy-to-manage debt repayment and enjoy a better cash flow.

Debt Consolidation Loan Features

A Debt Consolidation Loan can help you get control on your financial situation and move forward with your life.

Reduce Your Debt

Positive Solutions Finance will negotiate with your creditors to reduce your unsecured debt amount when you apply for a mortgage refinance. This could save you thousands by reducing the amount to be paid on your unsecured debts.

One Easy Payment

Consolidating your debts into a new home loan means you only have to manage one, easy repayment with a single interest rate and set of fees. Potentially saving you thousands in interest and extra repayments.

Breathe Easy

By consolidating your debts into a new home loan, you are paying out your existing debts to improve your cash flow and reduce your repayments. This will automatically stop those harassing creditor calls so you can breathe easy again.

Why Consolidate?

Debt Consolidation through a mortgage refinance could be the answer to your financial woes. If your credit card debts, bills and personal loan repayments are out of control you can refinance your mortgage and consolidate your debts into a new home loan.

Unsecured loans and credit cards can have an interest rate of 20% or higher! By refinancing, we are able to consolidate your debts into one mortgage repayment which will reduce your overall debt repayment amount and improve your cashflow.

The stress of dealing with unmanageable debt can impact heavily on your family. A debt consolidation through Positive Solutions Finance will eliminate that stress and allow you to start living again.

How does it work?

As soon as you purchase your home, you start to pay off your debt while your property slowly appreciates in value. After some time, your property should be worth more than you owe – the difference is called equity. If you have enough equity in your home, you can use it to refinance your unsecured debts into your mortgage.

Doing this will reduce the equity in your property, but will eliminate the interest rates and fees associated with credit cards, personal loans and payday loans and replacing it with the lower interest rate of a new home loan.

Positive Solutions Finance can negotiate with your creditors to reduce the amount you owe on your unsecured debts, saving you thousands straight away through a debt settlement.

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.

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