Managing multiple debts can feel overwhelming. Credit cards, personal loans, car finance, and Buy Now Pay Later can add up faster than you think.
At Genesis Mortgages, we help you combine high-interest debts into one simple, manageable home loan, giving you a clear path back to financial freedom.
Debt consolidation combines multiple high-interest debts into a single, lower-interest loan, usually by topping up your mortgage or refinancing to a new lender.
Instead of juggling different due dates and interest rates, you can move toward one simple payment at a lower rate, improving weekly cashflow.
We compare your current 12% to 22% interest rates against mortgage rates to estimate your potential savings.
We help set up sub-loans so consolidated debt can be paid off faster instead of being stretched over 30 years.
If refinancing is suitable, we negotiate cash-back offers that may help cover legal fees.
Our process is supportive. We focus on where you are going, not where you have been.
We compare bank and non-bank options based on your equity, debt profile, and repayment goals.
We help you reset your debt position and create a structure designed to reduce repeat debt stress.
High-interest debt can drain your wealth. Rolling debts into a lower-interest structure may reduce your monthly repayments.
Often around 19% to 22%, making balances hard to reduce if you only pay the minimum.
Often around 12% to 18%, depending on lender, credit profile, and loan type.
Often around 10% to 15%, which can place pressure on monthly cashflow.
Usually significantly lower than credit cards, personal loans, and car finance.
You could reduce monthly debt payments by hundreds, or even thousands, depending on your situation.
A free, confidential review of your current debts, interest rates, and home equity.
We show you the before and after of your monthly repayments.
We identify banks or non-bank lenders that suit your specific debt profile.
We handle the paperwork to top up your loan or refinance your mortgage.
Upon approval, we help ensure your high-interest debts are paid out and closed.
We help you set up a new budget and loan structure to stay debt-free for good.
No. In fact, closing high-interest accounts and having a single, well-managed loan can often improve your credit score over time.
Yes, to consolidate debt into a mortgage, you typically need to have built up some equity in your property.
Yes. We can explore personal loan consolidation through specialised lenders to still aim for a lower rate.
If you are refinancing your mortgage to consolidate debt, we calculate any break fees to ensure the move still makes financial sense.
You don’t have to stay stuck in a cycle of high-interest payments. Let’s review your debts and see if consolidation can help you breathe easier and move forward with confidence.
View our Google Reviews and see how Genesis Mortgages has helped clients take control of their finances.
We compare options across a wide network of trusted lenders to help you secure the right loan structure for your goals.
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