Debt Consolidation Home Loan | Three Repayments Into One | Victor Kwong 0451 821 319

Turn 20% debt into 6%.

Three Repayments a Month?
Make It One.

  • Roll your credit card, personal loan and car loan into your home loan
  • Swap 20% card interest for a home loan rate
  • Money left over each month, so you can start fresh
Book a Free 15-Min Call
5-star rated on Google
Sound familiar?

Pay the repayments, run short, back on the card.

Most people I talk to want a fresh start. The problem is the repayments are so high there's nothing left over to make one.

1
Three repayments go out
Credit card, personal loan, car loan. Each on a different date.
2
Money runs out before payday
After the repayments, there isn't much left for bills and groceries.
3
Back on the credit card
So the card gets used again just to get through the week.
4
The balance never moves
You've paid all month and still owe about the same.
Next month, it starts all over again.

How I help you start fresh.

1
One repayment, at a lower rate
Your card and loans are rolled into your home loan, at a much lower rate than you're paying now.
2
Money left at the end of the month
With less going out, you get to payday without reaching for the card.
3
Pay your home loan down faster
Put what you free up back into your home loan, and pay it off sooner without the stress.
The goal isn't just a smaller repayment. It's a fresh start. The old cards are paid out at settlement and closed or cut back, so the cycle can't start again. I set the loan up so anything extra you pay goes straight off the balance.
Is this for you?

Who this works for, and who it doesn't.

This works best for people who've kept up with every repayment but are tired of juggling them. I'd rather tell you now than waste your time on a call.

It suits you when
  • You own your home and have built up some equity in it
  • You've made every repayment on time for the last 12 months
  • You have a steady income
  • You have two or more debts at a higher rate than your home loan, like a credit card, personal loan or car loan
It's probably not right when
  • You've missed repayments or had a default in the last 12 months
  • You're behind on your home loan right now
  • You'd keep using the credit cards after they're paid off
  • Your debts are more than the equity in your home
Before you go further

Three things people ask me first.

These come up on almost every first call, so here are the answers up front.

Do I have to change my home loan?
Not always. Sometimes your current lender will top up your loan. Other times moving to a new lender gets you a better rate. I'll compare both and tell you which works out better.
Will it hurt my credit score?
Booking a call doesn't touch your credit file. I only run a credit check once you've decided to go ahead, and I'll tell you before I do.
Why not ask my own bank?
You can, but your bank only offers its own rate and its own valuation. I compare lenders, and a better valuation can free up more equity to clear the debts.
What you get

Here's what I offer, from first call to settlement.

My goal is to get you from three repayments to one, with a plan to be debt-free sooner.

I work out how much equity you can use
I compare lenders for your rate and valuation
I negotiate your rate with the bank directly
I show you the total interest before you decide
I check any break fees on your car and personal loans
I handle the paperwork and the back and forth with the lender
I make sure each debt is paid out at settlement
I'll tell you honestly if consolidating isn't your best option
I'm available 7 days a week, including evenings

Tell me what you owe, and I'll show you what one repayment would look like.

Book a Free 15-Min Call
Victor Kwong, Principal Mortgage Broker at Loan Market
Victor Kwong
Principal Mortgage Broker · Loan Market
I'm Victor. Most people I talk to about their debts tell me the same thing. They want a fresh start. They've kept up with every repayment, but with three or four going out each month there's nothing left over, and they can't get ahead no matter how hard they try. Helping people start fresh and get back on track is what I do. I bring your debts into one repayment at a lower rate, set the loan up so you can pay your home off faster, and look after everything through to settlement. Tell me what you owe and I'll give you a straight answer, including when consolidating isn't worth it.

How we'll work together.

From the first call to the day your old debts are paid out, here's what the process looks like.

  • A Quick Chat

    A 15-minute call. We go through what you owe, your home loan and your income, and I tell you whether consolidating makes sense.

  • The Numbers

    I show you the new repayment and the total interest, side by side with what you pay now, so you can decide.

  • The Application

    I lodge it with the lender that suits you and handle the valuation and the back and forth.

  • Settlement

    Your credit card, personal loan and car loan are paid out, and you're left with one repayment.

Google Reviews

What clients say.

5.0 · Rated on Google
★★★★★
"Victor made the refinancing process very smooth and stress-free. He was knowledgeable, responsive, and always willing to help. Highly recommend to anyone looking for a home loan broker."
Deepshika Singh
Google
★★★★★
"My wife and I found Victor to be the only broker to actually provide a result where other brokers were quite useless. Really needs six stars!!!!"
C L
Google
★★★★★
"Great work Victor — he was very professional in our refinancing."
Brett Membrey
Google
★★★★★
"Can't thank him enough for his relentless effort to find the best deal that suits my conditions. Highly recommended."
Hasnan Husin
Google
★★★★★
"Victor made buying my first investment property so stress free. He genuinely cared about my goals and helped me plan for the future, not just get the loan done."
Lollipopz
Google
★★★★★
"His knowledge and expertise were second to none. I feel confident that he's my mortgage broker, looking after me."
Ramneek
Google
★★★★★
"I reached out to Victor as a first home buyer. He carefully guided me through the paperwork and helped me correct mistakes along the way. He also followed up after settlement."
K Ho
Google
★★★★★
"Brilliant and helpful broker."
Designer
Google
Common questions

Questions people ask me.

Enough that your home loan plus the debts stays within 80% of your home's value. Above that, you'd usually pay Lenders Mortgage Insurance, which can eat into the saving. Lenders value the same home differently, so I compare valuations before we apply.
They're paid out at settlement, and the lender will usually ask you to close them or lower the limit. That's a good thing. The fastest way to undo consolidation is to run the cards back up.
Sometimes. Some fixed-rate car and personal loans charge a break fee. I check each one with you before we go ahead and include it in the numbers.
In most cases, yes, because a home loan rate is far lower than a credit card or personal loan rate. How much depends on what you owe, your rate and how fast you want to pay it off. I'll show you the exact figures on your own debts.
Missed repayments in the last 12 months make the main banks much harder. There are specialist lenders, but their rates are higher, so it may not save you much. Call me and I'll tell you honestly whether it's worth it.
Nothing. I'm paid a commission by the lender when your loan settles. This doesn't affect the rate or terms you receive. Lenders offer the same products whether you go directly to them or through a broker. The difference is I compare them for you.
Book a time

Book a time and let's have a chat.

Have a rough idea of what you owe on each debt and your home loan balance. I'll tell you what one repayment would look like, and whether it's worth doing.

Available 7 days a week, including evenings.

Prefer to talk now? Give me a call.

0451 821 319

General information only.

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