Do you feel like you are drowning in debt ? Life changing events such as health problems, divorce, retrenchment, or a loss of income can all lead to temporary financial problems. Inevitably the quickest and easiest form of credit is on credit cards.

Rather than pay around 18% in credit card interest or expensive personal loans, it can make more sense to consolidate all your debt by refinancing to a cheaper lender.

By rolling over or consolidating your higher rate or shorter term debts into one lower home loan rate you may be able to reduce your monthly repayments - leaving more money in your pocket each month.

Depending on your situation you may be able to fully-verify or self-certify your income. Some lenders will consolidate up to 25 credit cards. We can talk to you about strategies to reduce your repayments and to help get your finances back on track.