Rolling your debts into one loan can simplify your repayments and may reduce the interest you are paying overall, freeing up room in your budget.
Meet Mel and the Zest team, who've helped hundreds of clients consolidate their debts into one manageable loan.
Rolling personal loans, car loans and credit cards into one loan can simplify your repayments and may reduce the interest you are paying overall. Lender criteria around consolidation vary, and it is worth looking at the full picture, because spreading short-term debt over a longer loan term can mean paying more interest in total even when the repayments are lower.
We go through the numbers with you first, then compare 60+ lenders to find the right fit. We are local brokers based in Springfield, helping clients across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe combining your debts into one simple repayment shouldn't be complicated. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team works out how much you owe across your debts and what a consolidated repayment could look like for you. No cost, no obligation.
Some debts carry higher interest than others, and lender criteria around consolidating personal loans, car loans and credit cards vary. We compare across 60+ lenders to find the right fit.
Once you have chosen a lender, we handle the paperwork and settlement details so your existing debts are paid out and rolled into your new, single repayment.
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Debt consolidation suits home owners juggling several debts, such as credit cards, car loans and personal loans, who want one simpler repayment. Rolling higher-interest debts into a home loan can lower your monthly repayments, but it's important to understand the trade-offs before you do it.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Busy Springfield and Ipswich households often end up with a mix of car loans and credit cards alongside the mortgage. A consolidation is usually done as part of a refinance, so we look at your whole loan, not just the debts.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
It can lower your monthly repayments, but spreading short-term debts over a long home loan term can mean paying more interest overall. Making extra repayments helps avoid that.
A new application creates an enquiry, but paying off and closing several accounts can help your position over time.
Possibly. Some lenders consider recent missed payments, especially if there's a clear reason. See our past credit issues page if this applies to you.
Many lenders require it as a condition, and it's usually a good idea so the debt doesn't build up again.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
