Simplified Lending for Debt Consolidation
Debt Consolidation Home Loan
We help WA homeowners take control of their finances by rolling credit cards, personal loans, and car loans into a single, lower-rate mortgage.
Swift Approval
We ensure rapid approval for your home loan, so you can start making memories in your new home sooner.
Tailored Solutions
With access to products from over 40 lenders, we’ll find the perfect mortgage tailored to your unique needs.
Exclusive Offers
As a licensed broker, we have the inside track on exclusive deals you might not find elsewhere.
Find the Right Loan Fast – Compare 60+ Lenders Today
Our broker network gives you access to over 60 trusted lenders, so you can compare options and secure the best solution for your business finance needs – all in one place.
What We Offer
-
Home Loans (Purchase & First Home)
Buy with confidence—from pre-approval to settlement, including help with deposits and grants.
-
SMSF Home Loan / Property Investment
Buy or refinance property via your SMSF with compliant lending structures and clear guidance.
-
Investment Debt Consolidation Home Loan
Smart structures for portfolio growth—offsets, interest-only and tax-effective setups.
-
Debt-Consolidation Home Loan
Roll debts into your home loan to simplify repayments and potentially reduce interest.
-
Debt Consolidation Home Loan
Flexible documentation and lenders for business owners, contractors and mixed income.
-
Construction & Renovation Loans
From plans to completion—progress payments, builder checks and a loan that fits your build.
-
Refinance
Lower repayments or access equity. We compare options and handle the switch end-to-end.
-
Business Loan
Working capital, expansion and acquisition finance—secured or unsecured, tailored to cash flow.
-
Equipment Finance
Fast funding for machinery, vehicles and tools—keep cash free while you grow.
-
Vehicle Finance
Car, ute, van or fleet—dealer or private sale—with quick turnaround.
-
Developer Finance
Site, construction and residual stock solutions matched to your stage and presales.
-
Private Lending
Short-term, fast-turnaround funding for time-sensitive deals with flexible security options.
Simplify Your Finances With Debt Consolidation
If you have got multiple debts, personal loans, car finance, or credit cards, refinancing your mortgage can help simplify your finances.
One Loan, One Payment, One Clear Path Forward
By consolidating debts into your home loan, you will have one manageable repayment, a lower overall interest rate, and a clearer financial path forward. Say goodbye to juggling multiple payments and hello to financial simplicity.
Debt consolidation is not for everyone. We will review your total position to make sure it strengthens your finances long-term.
- Combine multiple debts into one loan
- Reduce monthly outgoings and stress
- Pay less in interest over time
- Clean up your credit profile
- Free up cash flow for savings or investment
Debt Consolidation Home Loan Essentials
Discover how a Debt Consolidation Home Loan can simplify your finances and reduce your monthly payments.
Why Consolidate with Pilbara Finance
- Reduce multiple repayments into one
- Lower your monthly repayment
- Pay less interest overall
- Simplify your finances and reduce stress
- Expert guidance from WA home loan specialists
- Access 60+ lenders to find the best solution
How Can We Help You
Credit cards with high interest
Personal loans
Car finance
Store cards
Overdrafts and short-term finance
How It Works
Getting funded with our help is simple and straightforward. Here's how the process works.
Apply
Tell us about your current home loan and debts.
Compare
We find the best lender and solution for you.
Settle
You roll your debts into your mortgage and reduce your repayment.
"Pilbara Finance made consolidating my debts into my home loan effortless. Their expert advice helped me save money and simplify my finances."
Connect With Us
Hey! Connect us with (08) 9122 3929, or email us through office@pilbara.finance, or fill the following form. We will contact you back within 12 hours or prior.
Get In Touch
Send Us a Message
Fill out the form below and we'll get back to you as soon as possible.
Debt Consolidation Home Loan — FAQs
What is a debt consolidation home loan?
A debt consolidation home loan allows you to combine multiple debts — such as credit cards, personal loans, and car loans — into one loan secured by your home, usually at a lower interest rate.
What are the benefits of consolidating debt into my home loan?
You can reduce your monthly repayments, save on interest, simplify your finances with one repayment, and potentially pay off debt faster.
Will consolidating debt increase my home loan?
Yes, your home loan balance will increase because other debts are rolled into it. However, the overall repayment is usually lower due to reduced interest rates and longer loan terms.
Is debt consolidation suitable for everyone?
Not always. While it can provide relief, it depends on your financial situation. We assess your circumstances to ensure it’s the right strategy for you.
Can I consolidate debts if I’m self-employed?
Yes. We work with both employed and self-employed borrowers, including those with complex income structures, to find suitable consolidation options.
Why choose Pilbara Finance for debt consolidation?
We compare 60+ lenders, structure your loan for maximum savings, and guide you through the process to make it stress-free and effective.
