Debt Consolidation
Debt restructuring that gives you clarity, control and a clearer financial path.
Managing multiple debts can drain cash flow, add unnecessary stress and make it harder to plan your next financial step. We help you consolidate your debts into one structured lending solution that simplifies repayments, reduces financial noise and often lowers your overall cost.
With experience across residential lending, investment loans, complex income, business ownership and multi-property portfolios, we design consolidation strategies that improve your position without compromising future flexibility.
What We Help With
Debt consolidation built around your goals and financial strategy.
We support homeowners, investors, professionals and business owners with:
consolidating credit cards, personal loans and car loans into a single, clearer structure
reducing interest costs by shifting higher-rate debts into more efficient lending
rolling multiple repayments into one predictable, easy-to-manage payment
restructuring lending to stabilise cash flow and reduce financial pressure
understanding the impact consolidation has on borrowing power and future plans
reviewing existing loans for better pricing, features or long term fit
simplifying complex debt setups across personal, investment or business lending
Every recommendation is designed to improve clarity, reduce stress and protect your ability to borrow for future goals.
How We Work
Consolidation is about creating stability, simplifying complexity and strengthening your forward position.
With Specialist Broking, you can expect:
A clear understanding of your current debt position
We begin by reviewing your debts, repayment schedules, interest rates, cash flow needs and financial goals. This helps us identify the smartest path to consolidate and reduce pressure immediately.
A structure that supports long term stability
We design loan setups that make repayments easier to manage, reduce financial friction and give you more predictability. When needed, we simplify lending across multiple properties or entities so everything works together rather than against you.
Strong lender positioning
We present your application clearly and negotiate terms that support lower costs, simpler repayments and improved financial stability.
Ongoing support as your needs evolve
With the annual Specialist Broking Health Check, we review your structure each year as life, income and market conditions change to ensure your lending remains aligned with your goals.
Who We Work With
We support people who want their debt to work more efficiently for them.
We work with:
homeowners wanting to reduce financial stress and gain clearer control
investors consolidating multiple loans into a single, simpler structure
professionals and business owners juggling several commitments across personal and business lending
medicos and aviation professionals with complex income and multiple liabilities
families preparing for a new financial chapter or planning long term goals
clients restructuring outdated lending setups that no longer fit their needs
Our insight into residential lending, investment strategy, complex income and multi-property structures means we can build a consolidation plan that gives you a stronger foundation for the future.
WHAT OUR CLIENTS SAY:
“Dan, Carly and Cass helped us refinance our place in Chatswood and also consolidate lending on our investment property. The team were exceptionally efficient and professional through the whole process.
We’ve since referred Specialist Broking to a number of family and friends, and we wouldn’t hesitate to recommend them to anyone else looking for the right advice and support.”
Jillian and Matthew Turner — High School Teacher and Actuary