For Australian Homeowners Managing Multiple Debts
Apply Your Free Debt Consolidation Review And See If One Simpler Repayment Structure Could Work For You
If your mortgage, credit cards, personal loans or car finance are all pulling money in different directions, Up Finance can review the full picture and see whether refinancing and debt consolidation may suit your situation.
Review whether eligible debts could be consolidated into your home loan
Compare suitable refinance options across 40+ lenders
See whether restructuring could improve your monthly cash flow
Understand the repayments, fees and long-term cost before you decide
Your Debts May Not Be Too Big. They May Be Badly Structured.
Managing a mortgage, credit cards, personal loans and car finance can make your finances feel harder than they need to be.
Different repayment dates, interest rates and lenders can quickly become difficult to keep track of.
For some homeowners, refinancing may allow eligible debts to be consolidated into one simpler loan structure. This could make repayments easier to manage and may improve monthly cash flow.
Up Finance reviews your current home loan, debts, income and goals, then compares suitable options across 40+ lenders.
We also explain the repayments, fees, loan term and potential long-term cost, so you can decide whether refinancing makes sense for you.
How It Works
Share your current home loan and debts
We review your overall financial position
We compare suitable options across 40+ lenders
You decide whether the new structure works for you
Why Australian Homeowners Choose Up Finance
Review Your Mortgage And Eligible Debts Together
Explore A Simpler Repayment Structure
Compare Suitable Options Across 40+ Lenders
See How Refinancing Could Affect Monthly Cash Flow*
Understand Fees, Loan Terms And Longer-Term Costs
Get Clear, Personal Guidance
Support From Review Through To Settlement
No Up Finance Service Fee
Access Home Loan Options Across 60+ Lenders
Here’s How We Make the Process Simple
STEP 1
Book Your Free Review
Tell us about your mortgage, credit cards, personal loans, car finance, income and goals.
STEP 2
We Review Your Position
We look at your balances, repayments, interest rates, loan terms, expenses and overall financial position.
STEP 3
We Compare Suitable Options
We compare relevant refinance options across Up Finance's panel of 40+ lenders and assess whether debt consolidation may be suitable.
STEP 4
You Decide With Clarity
We explain the repayments, fees and longer-term implications. If you choose to proceed, we help manage the application through to settlement.
Multiple Repayments vs An Up Finance Debt Consolidation Review
Without a Review
Mortgage and other debts considered separately
Several repayment dates and lenders to manage
Limited to your current lender's options
Focus mainly on the monthly repayment
Work through the options yourself
With An Up Finance Review
Mortgage and eligible debts reviewed together
Review whether eligible debts could sit within one structure
Compare suitable options across 40+ lenders
Review repayments, fees, loan term and longer-term cost
Get guidance through the review and application process
| Feature | Traditional Bank | Alberto Curiel - The Finance Man |
|---|---|---|
| Contract/Shift Income | Often declined | Fully supported |
| Number of Lenders | 1–2 options | 60+ lenders |
| Personal Broker Support | Not guaranteed | Always included |
| Cost To Use | May vary | Free |
| Process Speed | Often delayed | Efficient & clear |
| Bilingual Help (Spanish) | Rare | Sí, disponible |
Disclaimer: Your actual home loan rate may vary based on your individual circumstances. Speak to one of our expert brokers for a personalised quote.
Common Questions From Australian Homeowners
What is debt consolidation refinancing?
Debt consolidation refinancing generally involves refinancing your home loan and using part of the new lending to repay eligible debts such as credit cards, personal loans or car finance. What can be included will depend on your circumstances and the lender's criteria.
Can debt consolidation reduce my monthly repayments?
It may reduce your monthly repayments depending on your current debts, new loan amount, interest rate, fees and loan term. A lower monthly repayment can sometimes mean paying the debt over a longer period, which may increase the total interest paid.
What debts could potentially be consolidated?
Depending on lender criteria and your circumstances, eligible debts may include credit cards, personal loans, car finance and certain other consumer debts.
Will my credit cards automatically be closed?
Not necessarily. Some lenders may require certain debts or facilities to be repaid or closed as a condition of approval. We will explain any relevant requirements before you proceed.
What happens in the free review?
Up Finance reviews your home loan, debts, income, equity, repayments, and goals, then compares options across 40+ lenders to help you understand whether debt consolidation refinancing may suit your situation.*
One Review Could Show Whether Your Debts Can Be Structured More Simply
If your mortgage, credit cards, personal loans and car finance are all competing for your income each month, it may be worth reviewing the full picture.
Up Finance can review your current debts, compare suitable refinance options across 40+ lenders and explain whether debt consolidation refinancing may suit your circumstances.
You will see what the proposed structure could mean for your repayments*, fees, loan term and longer-term cost before deciding whether you want to proceed.
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Up Finance (ABN 59 681 980 816)
Credit Representative Number 566673. Authorised as a Credit Representative of National Lending Group Pty Ltd.
*Refinancing savings depend on loan size, current rate, fees, and lender criteria.* Figures are provided as examples only and do not guarantee actual savings. Debt consolidation may not be suitable for everyone. Consolidating shorter-term debts into a home loan may extend the period over which those debts are repaid and could increase the total interest payable. Eligibility and lending outcomes are subject to lender criteria, responsible lending requirements and individual circumstances.