Debt consolidation services

What sets us apart

Debt consolidation is not only about reducing the number of payments. It is about building a structure you can actually maintain, with clear repayment expectations and a realistic view of the total cost over time.

We take time to understand your current debts, your cash flow, and what you want to improve. Then we compare suitable options and explain the trade offs in plain English, so you can make a confident decision.

Debt consolidation

How we can help

When you are juggling credit cards, personal loans, and multiple due dates, it can be hard to feel in control. Debt consolidation may help by combining eligible debts into a single facility with one repayment to manage.

We review your current loans and commitments, assess whether consolidation is suitable, and compare lender options that fit your situation. Our focus is on clear communication, responsible structure, and a process that stays organised from start to finish.

Our services

Explore our services and resources

First home buyers

 

Your first home should feel clear, not confusing. We explain borrowing capacity, deposits and pre approval before you make offers.

We keep paperwork organised and guide you through approval and settlement, step by step.

Refinancing a loan

 

Refinancing helps when your loan no longer suits your budget, goals, or lifestyle. We review rates, fees, and features carefully.

We compare options, explain costs clearly and manage paperwork so the switch stays simple.

Debt consolidation

 

Multiple repayments can strain your budget .

We assess whether eligible debts can be combined into one facility safely.

We check affordability and total cost, then explain trade offs in plain English clearly.

Investment loans and lines of credit

 

Investment lending works best with the right structure.

We compare loan options that suit your cash flow and strategy goals.

We explain flexible features, lender policy and documents required so you can act quickly.

Debt recycling

 

Understanding how to make your mortgage work for you can be complex. We break down how debt recycling can legitimately transform your standard home loan into a tax-effective investment vehicle.

We map out the exact loan splits needed and help you manage the paperwork so you can invest with confidence.

Outcome: A clear, compliant strategy to maximise your tax advantages.

Property development finance

 

Managing cash flow during a build is often the biggest hurdle for any developer. We explain how development finance works, focusing on interest capitalisation and progressive construction drawdowns.

We structure your loan facility alongside your builder’s schedule to ensure funds are released exactly when needed.

Outcome: A reliable funding pipeline that keeps trades paid and your project on track.

SMSF loans

 

An SMSF loan can fund an investment property when strict compliance requirements are met and you want to leverage your superannuation savings today.

We confirm borrowing rules and coordinate the complex legal details with your advisory team, so everything stays aligned.

Outcome: Secure property investment with clear steps ahead.

Business & commercial loans

 

Business lending can support working capital, cash flow, equipment, or commercial property when growth plans require funding support right now.

We clarify purpose, prepare documents, and compare lenders so your application stays organised always.

Outcome: Funding aligned to business goals and timelines.

Our partners

Strong lender relationships help us compare options quickly and match loans to real borrower needs.

What our clients say about us

Real feedback from clients who valued clear advice, organised support and a smooth lending process.

Google
Andrew Zbik profile picture
Andrew Zbik
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Derik was wonderful in helping us settle our SMSF property. The process was complex. However, Derik's skill, knowledge and his legal background experience shone through as he navigated the loan application process and negotiated an outcome with the lender that helped us achieve our goals. I am very happy to refer Derik to my friends and family.
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Hannah Bickerton profile picture
Hannah Bickerton
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It was such a great experience working with Derik. He was patient, and dealt with a lot of questions from us! We really value his help and will be referring him to many people in future!
Google
GEORGE ANDREWS profile picture
GEORGE ANDREWS
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I recently worked with Derik from Australian Loan House on a client’s purchase that he referred to us, and I was very impressed with his professionalism, responsiveness, and overall efficiency. Derik was proactive throughout the entire finance process, kept both the client and myself informed, and ensured everything progressed smoothly and on schedule. His attention to detail, clear communication, and genuine commitment to achieving the best outcome for the client made the transaction seamless from start to finish. As a conveyancing solicitor, it’s refreshing to work with a broker who is organised, solutions-focused, and truly dedicated to client service. I’m very pleased to recommend Derik and Australian Loan House to anyone seeking a knowledgeable and reliable finance broker.
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Khachig Kabakjian profile picture
Khachig Kabakjian
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I had an outstanding experience working with Derik, and I couldn’t be happier with the service he provided. From day one, he demonstrated deep market knowledge, strong responsiveness, and genuine care in helping me navigate the entire journey. Every question was answered clearly, and every step was handled with professionalism and efficiency. What truly stood out was that Derik didn’t just support us with financing — he proactively connected us with a buyers agent and a solicitor, both of whom we ended up using and were extremely impressed with. Those introductions made the process even smoother and ensured we had trusted experts across every stage. His guidance, attention to detail, and commitment to achieving the best possible outcome transformed what could have been a stressful and complex experience into one that felt organised, transparent, and seamless. I would highly recommend Derik to anyone looking for a trusted, reliable broker — and someone who can act as a true partner throughout the property purchase journey. A brilliant one-stop experience with an exceptional network and outstanding service.
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Bronwyn Finnen profile picture
Bronwyn Finnen
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We would certainly recommend Derik Karamian for obtaining a home loan. Derik was very approachable and always available to answer any of our questions. Derik’s knowledge of the process made our application easier to complete to a successful conclusion.
Google
Sally Walters profile picture
Sally Walters
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Derik was fantastic to work with. He made the job of getting a loan very easy for us, doing all the behind the scenes work to get us the best rates and terms. We are very happy with the service provided and recommend him strongly.
Google
Meltem Akyol profile picture
Meltem Akyol
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Great experience with Derik. Very efficient and helpful. I would highly recommend.
Google
Ari Palandjian profile picture
Ari Palandjian
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Thank you Derik and team. Very happy with the service and negotiating with the Banks on my behalf. Looking forward to the next one.

Why choose us?

How we can help

Safety

Clear comparisons

We explain lender options in
plain English so you can choose confidently.

Secure

Strong lender

We understand lender policies and
help present your application clearly.

Payment

Organised process

We keep documents, timelines, and follow ups on track,
so your application keeps moving.

Support

Ongoing support

We stay available for reviews when
your goals, income, or rates change.

Get in touch

Tell us what you are trying to achieve and we will guide you to the right next step. Share a few details and we will get back to you as soon as we can.

Call us

Contact us

Level 34/100 Miller St, North Sydney NSW 2060, Australia

Request a proposal

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Australian Loan House
FAQs

Quick answers to common questions about home loans, refinancing, and specialist lending in Australia.

What is debt consolidation?

Debt consolidation combines multiple eligible debts into one facility, so you manage one repayment instead of several. The goal is to simplify budgeting and improve clarity around repayments.

When does debt consolidation make sense?

It may suit you if you have multiple high interest debts or several repayments that are difficult to manage. It still needs to be affordable and the total cost over time should be considered carefully.

Will debt consolidation always reduce my interest?

Not always. Some people consolidate to simplify repayments, not only to reduce interest. We compare options and explain the likely costs and trade offs so you can decide confidently.

What debts can usually be consolidated?

This depends on the lender and your circumstances, but may include credit cards, personal loans, and some other liabilities. We review your current commitments and confirm what may be included.

What documents do I need?

Most lenders require identification, income evidence, bank statements, and details of your existing debts. If you are self employed, you may need business financial information as well.

How long does the process take?

Timeframes vary by lender and by the complexity of the application. We set expectations early, then keep you updated as the application moves through each stage.

How do you assess if consolidation is right for me?

We look at your current debts, repayment stress, cash flow, and long term goals. We then compare options and explain whether consolidation improves your position and what the repayment plan would look like.