Debt Consolidation Loans

Struggling to juggle multiple loans? Take control of your financial situation and easily manage your debts into one simpler repayment with debt consolidation. Our brokers in Sydney can help you find the loan that suits you best and pay off your loans faster with a lower interest rate and flexible payment options.

Apply For A Debt Consolidation Loan

We scan our offers and rates based on your exact situation. Don’t forget to use our borrowing capacity calculator to estimate your maximum borrowing power. We value your privacy and are committed to protecting all personal information we collect. See our Privacy Policy.

We are filtering rates based on your exact situation. If you don’t live here, we will assume it’s an investment property.

If you have not found a property yet, simply enter the approximate amount you’re looking for.

We Keep Loans Simple.

lending process

Minimal paper work, updates every step of the way from first chat through to application and settlement.

Personalised Recommendation

Everyone's needs and goals are different. We find the best deals and offers tailored just for you to review and choose from.

Frictionless application through to settlement

We work for you and not the banks. Our aim is to help you buy sooner, better and smarter.

How you can consolidate your debts in Australia

Getting a home loan is a multi-step process. So let’s take a closer look at how it can be done with the team at It’s Simple and streamline things a little!

Prepare your paperwork

First things first — provide the necessary documents. The earlier we get your documents ready, the faster we can get your debt consolidation loan approved. If you’re unsure what documents you need, you can always contact our expert brokers in Sydney. We’ll be more than happy to help you find and prepare what you need!

Meet with our broker

Fill out the form, and we’ll meet you at your preferred schedule. It’s Simple will help you understand the loan process and improve your chances of securing your dream loan by revealing what banks look for and how you can make your application suit their requests. Our brokers will also ask questions about your preferences and find competitive rates and loan features tailor-fit to your goals.

Send The Application

Once we get all of the information and documents we need, you can sit back and relax because we’ll handle the rest for you. Our brokers will take care of the application, negotiation and settlement on your behalf so that you get the best debt consolidation loan that suits your situation. We’ll keep you updated with your application and provide ongoing support even post-settlement.

Home Loan Repayment Calculator

Estimate your home loan repayments. Payments change based on several factors, such as whether you’re looking to invest or be an owner-occupier. Interest rates change, so keep this in mind if you have a variable rate home loan.

How We Can Help You

Paying off multiple debts at a time is challenging and can be stressful. Aside from your day-to-day responsibilities, you think of the separate monthly repayments, different due dates and high interest rates. That’s why we’re here to help!

By consolidating your debts with It’s Simple, you can enjoy faster and hassle-free loan approval. Get a personal broker dedicated to securing the best loan package tailored to your situation and helping you pay off your debts faster.


To put it simply, debt consolidation means taking out a new loan and rolling multiple debts into a single monthly repayment. This means you only have to make one repayment each month with one interest rate instead of paying each loan separately.

Debt consolidation loans work by combining your debts (such as personal and credit card loans), so you only pay one loan. For example, you have a credit card with an unpaid balance of $2,200 and a personal loan worth $5,000, and both loans have different interest rates.

To easily manage your debts, you can consolidate them into one loan with one interest rate, repayment amount and due date. This way, it’s easier to stay on top of your loans.

If you have bad credit, you may still be able to consolidate your debts. Our brokers can help you find the right lender that can support you and lower interest rates that are available to your circumstance.

Consolidating your debts can either hurt or improve your credit score depending on how you handle your repayments.

If you miss your repayments or default on your debt consolidation loan, you will get bad credit. However, consolidating your debts can improve your credit score if you stay consistent with your repayments.

There are many benefits of debt consolidation:

  • Easily manage your loans with one set of repayments
  • Enjoy lower interest rates and fees
  • Better control of your budget and cash flow
  • Personal loans
  • Credit card loans
  • Home loans
  • Store cards
  • Car loans

“A very good rate”

I was an only applicant for a first home in Australia with minimum deposit and Joe was able to get the required loan for the brand new apartment in Kogarah that I was dreaming of at a very good rate

- Mihaela-Corina

“2% deposit! I couldn’t believe it.”

As a first home buyer I had no idea that I was able to take advantage of the single parent FHLDS. His help got me through the process extremely smoothly. Approval before the cooling off and booked in for settlement over a week before it was required.

- Josh

“Very caring”

Joseph and the Team helped me get my first home. Joseph has helped me through the process talking me through the financing options, helping me through the applications of FHLDS and other govt grants. He is also a very caring person.

- Charleen