Many Australians are finding themselves struggling with debt. Sometimes the solution is as simple as consolidating your debts into your mortgage and lowering your monthly repayments.

We will also negotiate with your unsecured creditors to lower the debt owed so you can reduce the debt at settlement. 


  • Mortgages
  • Credit Card Debt
  • Personal Loans
  • Collection Company Debt
  • Car Loans/Hire Purchase/Vehicle Lease/Finance
  • Tax Debt
  • Utilities
  • Accountancy Debt
  • Family Debt
  • Overdue Private School Fees
  • Business Debt


Debt negotiation is a negotiation between you and your creditors to settle on terms that are mutually beneficial for both parties to reduce your debt level while your creditors receive payments they may not have otherwise received.

We can help by assisting you in obtaining a debt consolidation mortgage. Our Debt Negotiators will also act as your agent in discussions with your creditors to reach a final payment amount that is satisfactory to all parties. This provides us with significant negotiation power and in many cases allows us to be able to reduce your debts significantly. This is not a formal debt agreement or act of bankruptcy and will not be noted on your credit file or have an adverse effect on your credit score.

WHAT IS A “Non-Conforming” MORTGAGE?

Non-Conforming lending is a segment of the mortgage market dedicated to providing alternative home loan solutions to borrowers who are unable to meet the traditional lending criteria.

A bad credit loan is the kind of loan you may need if you require credit and your credit history is less than perfect. But it’s nothing to be embarrassed about. Specialist lenders deal every day with people who have had hiccups in the past with their finances. That’s why specialist loans are available in the mortgage industry. It’s a way to access funds and helps customers rectify their current situation and, at the same time demonstrate to future lenders that you’re now able to manage your personal finances appropriately.


  • We will take the time to learn about your particular circumstances and inform you of your options and answer any questions you have.
  • We will always interact with you with compassion, dignity, empathy and understanding.
  • Our Debt Negotiators will contact your creditors directly and inform them we are acting on your behalf and request that all further calls and correspondence are to be directed to our company during this time.
  • Should there be any legal action under way we will work with the credit provider to put this action on hold until we resolve the matter.
  • We will co-ordinate the entire process with lenders, your creditors and any Solicitors that may be involved and keep you informed every step of the way.
  • Our commitment is to provide a full service that alleviates the stress and we will make ourselves accessible to help you navigate this difficult period of your life so that you can regain control of your finances.

We specialise in dealing with Debt Consolidation Loans  and Debt Negotiation.