Simplifying debt can make sense. But the structure matters.
Combining eligible debts into a single facility can simplify repayments — but it is not automatically beneficial, and the structure matters.
Combining eligible debts into a single facility can simplify repayments — but it is not automatically beneficial, and the structure matters.
Debt consolidation involves combining eligible debts into a single facility. This can potentially simplify repayments and reduce the interest rate on higher-cost debt.
But it is not automatically beneficial. Turning short-term unsecured debt into long-term mortgage debt can change the overall cost and risk profile.
What to consider
- Total debt and interest rates
- Fees and loan term
- Secured versus unsecured debt
- Repayment period and total interest
- Future borrowing plans
Things to weigh up
Total cost over the life of the loan
Extending shorter debts over a longer term
Discipline to avoid re-accumulating debt
Clear advice, from first conversation to settlement
Understand your position
We start with your goals and the numbers behind them, then explain the options in plain language.
Match the right structure
We consider suitable lending pathways and recommend a structure with the reasoning made clear.
Manage the process
We handle the application detail and keep you informed on what happens next through to settlement.
A simple process, even when the finance isn't
Talk to us
Tell us what you want to do and the basic numbers behind it.
Compare your options
We assess the scenario, structure and suitable lending pathways.
Apply with confidence
We prepare and manage the application, keeping it clear throughout.
Settle and review
We stay in touch and review your finance as your situation evolves.
Explore related home finance options
Home Loans
The right home loan depends on more than the advertised interest rate — it should fit the purchase, not just the application.
Learn moreFirst Home Buyers
Deposits, borrowing capacity, government schemes, stamp duty and LMI — we help you understand the finance side before you commit to a property.
Learn moreRefinancing
A different lender may offer a lower rate, but the real question is whether changing the loan improves your overall position.
Learn moreConstruction Loans
Construction finance is generally released progressively as the build reaches agreed stages, subject to lender requirements.
Learn moreBridging Loans
Bridging finance may help you purchase a new property before selling an existing one, where settlement timing does not line up.
Learn moreCommon questions
Speak with a DVELOP broker for guidance tailored to your circumstances.
Review My Debt Structure
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