Kiaara LoansDEBT CONSOLIDATION · MELBOURNE
Too many repayments. Too little breathing room. Let's fix that for good.
Juggling an ATO debt that keeps growing, credit cards, a car loan, buy-now-pay-later, a personal loan — all at punishing rates? Debt like that doesn't just drain your finances; it takes your peace of mind and quietly narrows your future. We help you carve a real way out, not just breathing room, so you can take back control.
FREE DEBT-CONSOLIDATION CHECK
What could one repayment look like?
Your debtsBalanceRate
ATO debt
$
%
Credit cards
$
%
Personal loan
$
%
Car loan
$
%
Other (incl. BNPL)
$
%
Your home loan rate
%
Pay the consolidated debt off over
years
Your home loan keeps running its usual 25–30 years — but we recommend clearing the consolidated portion faster, often in 5–10 years, so it doesn't quietly cost you decades of interest. Drag to see the difference.
Estimate only — not a quote, an offer, or credit assistance. Figures are indicative and assume the consolidated debts are repaid at your home loan rate over the term shown; the “before” figure assumes you clear them as they are over about four years. Consolidating unsecured debt into your mortgage secures it against your home. Actual results depend on your circumstances, lender criteria, equity and fees.
HOW IT WORKS
Many debts, one home loan.
01
We add them up
Cards, personal and car loans, buy-now-pay-later, even an ATO debt — every high-interest debt in one picture.
02
We roll them in
Those debts get paid out and folded into your mortgage at a far lower rate.
03
You pay one, not five
A single repayment — structured to clear the debt, not stretch it out for decades.
THE PART OTHERS SKIP
Lower repayments are easy. Getting you out of debt is the point.
Almost anyone can shrink your monthly payment by spreading debt over 30 years. Whether you're actually better off is a different question — and it's the one we care about.
The 30-year trap
Spread a three-year car loan across a thirty-year mortgage and your monthly drops — but you can pay far more interest by the end. Relief today can quietly cost you a fortune later.
How we structure it
We recommend setting the consolidated debt up as its own split with a shorter term, so you clear it fast at the low rate. Lower repayments and less total interest — not one at the expense of the other.
The habit that undoes it
Consolidating frees up your cards again. We'll be straight with you about the plan to keep them clear, so you don't end up back where you started with a bigger mortgage.
IS IT RIGHT FOR YOU?
A powerful tool — but not for everyone.
You'll need enough equity
Your mortgage plus the debts you're rolling in generally needs to stay under 80% of your home's value, or Lenders Mortgage Insurance can apply.
It's your home on the line now
You're turning unsecured debt into debt secured against your house. That's a serious step, and we'll treat it like one — not gloss over it.
Only if you're genuinely better off
We model the real numbers — monthly and total interest — and if consolidating doesn't actually leave you ahead, we'll tell you.
If you're truly struggling to keep up, borrowing against your home may not be the answer. A free financial counsellor (National Debt Helpline, 1800 007 007) can help you weigh every option first — and we'll happily point you their way.
WHY KIAARA
The whole market — and someone who'll tell you straight.
We compare across 60+ lenders to find the structure that actually helps, not just the one that lowers this month's payment. And we don't disappear once it's done — we check your loan every year.
Sixty-plus lenders
The whole market compared — not one bank's answer.
Honest by default
We'll show you the total cost, not just the monthly.
A selection of the 60+ lenders we work with
FAQs
Will my repayments actually go down?
For most people, yes — often noticeably. Your high-interest debts get repaid at your much lower home loan rate, so the combined monthly cost usually falls. The calculator above gives you an indicative figure; a free review gives you the real one.
Can I consolidate if I have bad credit?
Often, yes. Some specialist lenders work with borrowers who've missed payments — and once you're back on track, we can look at moving you to a sharper rate. We know which lenders to approach, so you're not knocked back for a rough patch.
Will it hurt my credit score?
There's usually a small, short-term dip from the credit enquiry. But clearing your cards lowers your credit utilisation, and one on-time repayment is easier to keep than five — so over time it often helps your score, not hurts it.
How much equity do I need?
As a rule, your mortgage plus the debts you're consolidating should stay under 80% of your home's value to avoid LMI. Rising property values may have given you more room than you think — we'll check where you actually stand.
Won't I just pay more interest over 30 years?
You can — if it's structured lazily. That's exactly why we recommend setting the consolidated debt on a shorter split term, so you clear it quickly at the low rate rather than dragging it across the whole mortgage. Lower monthly and less total interest.
YOUR FREE DEBT REVIEW
Let's see if it actually adds up for you.
We'll map your debts against 60+ lenders, show you the real numbers — monthly and total — and tell you honestly whether consolidating leaves you better off. No cost, no pressure.
Get a free debt review
or call 0451 713 231