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Get out of debt and back on track
Having a single repayment makes your finances more manageable and easier to track – with only one simple monthly payment
Paying off a car loan on a high rate?
Paying off your your maxed-out credit card/s?
High repayments on a personal loan?
PREFERRED PARTNERS
10+ year experience
It is always difficult to take the first step, which is why we are here to help.
“The big banks might be able to offer you a low rate, but that doesn’t mean they are always the best option and have your best interests at heart. We will find a consolidation loan that is tailored specifically for you and your needs.”
Single repayment makes your finances more manageable
Our experience has shown us that people who consolidate their debt feel an immediate sense of relief rather than struggling to make multiple payments.
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Useful tip
Get out of debt faster by consolidating your loans with a shorter term
Debt consolidation will end up being more expensive in the long run if you apply for a longer loan term for that debt! Make sure you know the figures and do not take on more than you can handle.
Break free from debt and start living again
Everyone has the ability to bring about financial stability and success. Our goal is to provide you with a proactive strategy to help you improve your financial situation.
Meet Colette, a mother of 3
Colette is a hardworking mother of 3, who works full-time, 9-5. She’s hardly a person you would associate with bad debt management. Unfortunately, you don’t have to be a bad person to get into uncontrollable amounts of debt.
Colette is a hardworking mother of 3, who works full-time, 9-5. She’s hardly a person you would associate with bad debt management. Unfortunately, you don’t have to be a bad person to get into uncontrollable amounts of debt.
Her story is one of many indicating that anyone can get into debt, no matter how well they think they’re managing their finances.
The monthly repayment over 5 years on these debts were:
- $20,000 car loan @ 8% - $406
- $20,000 credit card balance @ 12% - $444.89
- $20,000 personal loan at @ 10% – $424.94
- Monthly repayment - $1,275.83
HOW WE have HELPed
- Thankfully she had substantial amount of equity on her property where she was able to consolidate these debts into a home loan
- Once we consolidated these debts to a home loan @ 3% over 5 years
- Monthly repayment - $1078.12
- Savings of $197.71 each month
Please only use this example as a guide as rates may change
Types of debt consolidation loans?
There are different products and features attached to loans that consolidate debts, so it’s important to choose one that suits your financial situation and existing debts the best.
- Review your current financial situation and debts
- Discuss your options for consolidating your debts
- Tailor a debt consolidation plan specifically for you
- Help you get on track to financial freedom!
Don't let debt control you
We’ll work with you to develop the best strategies for paying off your debt faster and staying out of debt in the future.
Katharina Voigt
17. January, 2022.
I wish I could give more than 5 stars! Tony Xia did an excellent job guiding me through the purchase of buying me first home. He was always there to promptly answer my questions, advice me and to provide the best options possible. I can highly recommend him and I could not have wished for a better broker!
Charlene Su
26. December, 2021.
Tony was incredibly helpful and guided us through the process thoroughly. He answered all our questions and never once made us feel silly for asking obvious questions. He is dedicated to his clients, even driving across Sydney twice to ensure our paperwork was in order. We are so thankful for his help and would highly recommend Tony to our friends.
Simon Areum
13. December, 2021.
Tony and the team was able to help us in our investment purchase. He is very knowledgeable and was able to get me the best rate for our financial situation.
sarina lee
12. December, 2021.
Tony and the Team helped me purchase my first property. His process and communication skills were streamlined from beginning to end. Tony was very helpful during the whole experience and showed extreme care in finding the right home for me. Previously, my partner and I went to a bank directly and found Tony and the Team to be at another league of their own. I would definitely recommend.
Thank you for all your help.
Bhagirathy Padhy
9. December, 2021.
Providing best professional service
angelia chong
8. December, 2021.
I am very glad to be a client of The Mortgage Agency. Tony has great knowledge and experience in this area and is also very responsive and personable. He has made the experience much easier and less stressful. I’d highly recommend him. Thank you Tony and team!
JayTee
7. December, 2021.
Tony has helped me looked through thick and thin for the right package suitable for my needs. Despite my constant questions, he was very patient with me. 100% would recommend to anyone in a heart beat.
Faqs
As long as you have sufficient usable equity on your property and the equity needed is enough for you to consolidate all your debts then there shouldn’t be a problem.
We will conduct a bank valuation, it could be more then 1 valuation to help achieve the highest valuation possible.
No, you can consolidate a credit card, car loan and personal loan into a more viable personal loan if you wanted to.
You need to ensure you’ve always made payments to these debts, as any missed payments will be recorded onto your credit file, which may give you a negative result on your loan application.
Regain your financial confidence
The brokers from The Mortgage Agency apply a personalised approach to each customer. We’ll help you decide which type of loan and features will best suit you and your situation.
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