Debt Consolidation
Consolidate debts into your home loan to simplify repayments and cut interest. We’ll guide you through the pros, cons, and help you make a smart move.
Smarter Debt Consolidation Through Your Home Loan
Simplify your finances by rolling debts into your home loan. We’ll help you weigh the pros and cons and make the move with confidence.
Feeling stretched with repayments across multiple loans or cards? Debt consolidation could help simplify your finances.
By rolling other debts into your home loan, you may reduce your monthly repayments and interest costs — but it’s important to do it strategically.
We’ll run the numbers, talk you through the trade-offs, and help you decide if it’s the right move.
More loans. More choice.
We compare hundreds of options across 50+ lenders — including the big banks, credit unions, and smaller specialists — to help you find the right loan now, and down the track.
Great outcome
We found Patrick and the team super responsive, friendly & personable, and kept us informed the whole way. Most of all, they were able to achieve a great outcome for our circumstances. Really made the whole experience stress free by handling the bank side of things. I wish I had found these guys sooner, and I would 100% use them again for all my mortgage or finance needs. Highly recommend
~ Jeremy L.
Meet Patrick Morgan
Director, OGMA Finance
Patrick has spent over a decade in the finance industry and is known for his ability to simplify complex scenarios and go the extra mile for his clients. He takes the time to understand your goals and tailors lending strategies to fit both your short- and long-term needs.
He specialises in owner-occupied and investment lending, and his work has been recognised with multiple national awards:
- 🏆 Finalist – Best Mortgage Broker 2025 (Better Business Awards)
- 🏆 Finalist – Best Finance Broker 2024 (Better Business Awards)
- 🏆 Finalist – Best Mortgage Broker 2024 (Better Business Awards)
- 🥇 Winner – Top Writing Broker 2018 & 2019 (1300 Home Loan)
Frequently Asked Questions
What debts can I consolidate?
Credit cards, personal loans, car loans, and store cards are most common.
Will my repayments go down?
Usually yes — but it depends on your remaining loan term and whether we extend the mortgage.
Is it better to pay off debts separately?
In some cases, yes. We’ll compare both options for you.
Can I consolidate debt when refinancing?
Yes — it’s a common and often effective time to do it.