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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.
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.
Minimal paper work, updates every step of the way from first chat through to application and settlement.
Everyone's needs and goals are different. We find the best deals and offers tailored just for you to review and choose from.
We work for you and not the banks. Our aim is to help you buy sooner, better and smarter.
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!
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.
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:
“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
It’s Simple 2023 © Its Simple Pty Ltd. Trading as It’s Simple Finance (Credit Representative 522885) is authorised under Australian Credit Licence 390261. ABN: 22 637 831 157 | ACN: 637 831 157
Terms, conditions, fees and charges apply and your full financial situation would need to be reviewed prior to acceptance of any offer or product. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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