Simplified Lending for Debt Consolidation
Make Your Debts Easier To Live With
Combine credit cards, personal loans and car finance into one simple home loan repayment, with a team that explains everything in plain English.
Smooth, Simple Process
We guide you from first chat to settlement, keep you updated, and deal with the lenders so you don’t have to.
A Loan That Fits You
We look at your goals, income and debts, then shape a consolidation home loan that makes sense for your situation.
More Choice, Better Options
With access to a wide range of lenders, we can compare options and show you clear side-by-side choices.
Make Your Money Easier to Manage
If you’re juggling credit cards, personal loans, car finance or store cards, rolling them into your home loan can help tidy things up and take the pressure off.
One Home Loan. One Repayment. Less Head Noise.
By consolidating your debts into your home loan, you move from multiple due dates and surprise interest to one clear repayment. It can make your monthly cash flow easier, reduce what you’re paying in high interest and give you a simple plan to move forward instead of just treading water.
We Only Recommend It If It Truly Helps
Debt consolidation isn’t a magic fix for everyone. We look at your full situation – interest, fees, loan term and goals – and only suggest consolidating if it puts you in a stronger long-term position, not just a short-term cash flow boost.
- Combine multiple debts into one simple repayment
- Ease monthly cash flow so pay week feels less tight
- Swap high-interest cards and loans for a home loan rate
- Make it easier to budget, save and plan ahead
- Clean up your overall credit picture over time
- Free up cash you can put towards savings or future goals
Debt Consolidation That Actually Gives You Breathing Room
Roll your debts into one clearer, easier home loan and take back control of your cashflow.
Why Consolidate with Pilbara Finance
- Turn multiple repayments into one smoother home loan
- Free up monthly cashflow so pay week doesn’t feel like damage control
- Cut back on high-interest cards, personal loans and BNPL traps
- Structure repayments around FIFO rostersand irregular overtime
- Protect your credit score by getting ahead of missed or late payments
- Tap into 60+ lenders – including options the big banks won't tell you about
- Local WA team that does the chasing, paperwork and bank follow-ups for you
What We Can Roll Into One Repayment
Most everyday debts can be wrapped into your home loan and turned into one clearer, easier repayment.
High-interest credit cards
Personal and payday loans
Car loans and ute finance
Store cards & buy now, pay later
Overdrafts and short-term cash loans
We'll map out which debts make sense to roll in – and which are better left separate – so you actually get ahead, not just shuffle the deck chairs.
How Your Debt Consolidation Will Work
Three simple steps to roll your debts into one clearer home loan and free up your cashflow.
Chat & Check
Tell us about your home loan, cards and other debts.
- Quick 10–15 minute call or online form
- We look at your income, debts and goals
- You get an honest view of what's possible
Plan & Compare
We build a consolidation plan that actually helps you get ahead.
- Compare options across 60+ lenders
- Crunch the numbers on new vs current repayments
- Explain the pros, cons and risks in plain English
Approve & Roll In
We do the legwork, you move to one repayment.
- We handle the paperwork and lender follow-ups
- Your approved debts are rolled into your home loan
- You start with one clearer repayment and a plan to pay it down
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.
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 1 hour 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.