Debt Consolidation | Mortgage Broker Hamlyn Terrace, Wyong, Woongarrah & Warnervale

Debt becomes more difficult and expensive to manage as it multiplies: a few credit cards, a car loan HECS debt or even Afterpay debt. If you haven't had them reviewed as a whole, you might be missing out on the benefits of consolidating them into one debt. As your local Mortgage Broker in Hamlyn Terrace, I can help you with a strategy to get your debts paid off faster.  

Exploring the benefits of debt consolidation

Debt consolidation is the process of combining separate debts into one larger loan. You can roll them into a new personal loan or your current home loan through refinancing. Here are some of the benefits:

• You could save money: Most credit cards and AfterPay programs have high interest rates and late fees. Once you combine your debts into a larger loan, you open the door to lower interest and better features with plenty of opportunity to save. If you put your savings back into paying off your debt, you could be debt-free much faster.
• You can shop around: Unlike having credit card debt with one company, debt consolidation gives you the flexibility to shop around for a great deal from different lenders. As a Mortgage Choice Broker, I have over 35 of Australia's leading lenders to choose from. I'll find you a great deal to save you money.
• Make your life simpler: The power of debt consolidation is in simplifying your debts: one loan, one payment, one interest rate. It means you have much more control over the repayments, and you can put all your effort into paying it off. 

How I can help with your debt consolidation

As a Mortgage Broker in Hamlyn Terrace, my entire role is focused on giving my clients more control over their debt. It's important that you are in the driver's seat, and have a range of loans to choose from. I will communicate and negotiate with your chosen lender to make sure you get a great deal before putting together a personalised plan to get your debts paid off. If you feel like you're just keeping your head above water - it's time to get an expert in your corner.

 

 

Reviewing your debts as a whole

Small debts are easy to take on, but much harder to pay off. As your local Mortgage Broker, I'll review your debts as a whole to see if we could save you money by consolidating them into one loan. Let's get started.

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It's important to keep your debt short-term

One important thing to note is that you don't want to simply extend the life of your short-term debts by consolidating them. If you choose to consolidate your debt, the focus should be on getting it all paid off as soon as you can. 

Let me make your life a bit easier

Reviewing your debts for opportunities to save can quickly become overwhelming. Let me make your life a bit easier, by taking on the work required to see if debt consolidation is a good option for you. Most people like to chat by phone or video, but I can also meet you in person anywhere across the Central Coast NSW, including Hamlyn Terrace, Wyong, Woongarrah, Warnervale and Wadalba. 

Get in touch with Lisa Marie Smith on 0414 345 023 or fill out the contact form below. 

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