One repayment. Less interest.
Roll credit cards, personal loans, car loans and tax debt into a single, lower-rate repayment — and free up real cash flow every month.
Most clients save $800–$1,500 per month by consolidating high-interest debts into their home loan or a structured personal facility. We show you the full picture before you commit — including total interest paid, not just the monthly figure.
Request a free assessment
A real broker calls you back within 5 minutes during business hours.
Why Insta Finance
Built around your file.
Honest savings model
We show monthly savings and total lifetime interest. No spin — only consolidate when it genuinely pays off.
Equity-based options
Use home equity to refinance high-interest debts down to home-loan rates.
Split loan structure
Keep the consolidated debt on a shorter term so you don't pay it off over 30 years.
Bad credit considered
Defaults, missed payments or recent arrears — we work with specialist lenders that look beyond your score.
How it works
A clear path forward.
Debt audit
List every debt, rate and balance — we model the consolidated payment.
Lender match
Refinance + cash-out, debt consolidation loan, or specialist lender.
Approval
We coordinate payouts directly to your existing lenders.
Fresh start
One repayment, lower rate — with a clear plan to stay debt-free.
Common questions
FAQs
Is debt consolidation a good idea?+
It's powerful when you consolidate at a meaningfully lower rate AND keep a disciplined payoff term. It's a trap if you stretch credit card debt over 30 years. We make sure you're in the first camp.
Can I consolidate debt into my home loan?+
Yes, if you have enough equity (typically 20%+). Home loan rates are much lower than credit cards or personal loans — savings can be substantial.
Can I consolidate ATO tax debt?+
Yes. Several lenders allow refinance with cash-out to pay out ATO debt. Doing this before it becomes formally reported protects your credit file.
Will debt consolidation hurt my credit score?+
Short term, a new credit enquiry has minor impact. Medium term, your score usually improves as you reduce balances and never miss the single consolidated repayment.
What if I have defaults or missed payments?+
Specialist lenders consider applications with adverse credit. Pricing is higher than prime, but often still well below the credit cards you're consolidating.
Get started
Take back your cash flow.
Free debt consolidation review. Tell us what you owe and we'll show you the monthly repayment, total interest and timeline to debt-free.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees