Refinance & Debt Consolidation Solutions
Refinance & Debt Consolidation Solutions
Take Control of Your Home Loan & Debts
Refinancing can be an opportunity to improve the way your finances are structured. Whether you’re looking to review your current home loan, reduce repayments, consolidate higher-interest debts or access available equity, we help you explore suitable lending options based on your circumstances.
We take the time to understand your current position and longer-term property and financial goals, then help structure a lending solution designed to support what you want to achieve.
Why Refinance Your Home Loan?
Your home loan may have suited you when you first took it out, but your financial position, property value and goals can change over time.
Refinancing gives you the opportunity to review your current loan and explore whether a different lender or loan structure could put you in a stronger financial position.
You may consider refinancing to:
- Reduce your home loan repayments
- Secure a more competitive interest rate
- Consolidate higher-interest debts into a simpler structure
- Access available equity for renovations, investment or other goals
- Improve your loan features, such as offset, redraw or repayment flexibility
At Kesh Finance Solutions, we look beyond simply finding another home loan. We review your current debts, property position and future plans, then compare suitable options across our lender panel to help structure a solution that works for you.
Potential Benefits of Refinancing & Debt Consolidation
Reduce Interest Costs
Simplify Your Repayments
Improve Your Loan Structure
Improve Monthly Cash Flow
We assess your existing loans, debts and financial position to determine whether refinancing or debt consolidation could provide a more suitable structure for your circumstances.
Is It Time to Review Your Home Loan?
Your Current Home Loan May No Longer Be Competitive
- Your interest rate hasn't been reviewed recently
- Your property value or financial position has changed
- Your current loan may no longer have the features you need
You Want to Simplify Your Debts
- You're managing several loans or repayments
- Credit cards or personal loans are affecting your monthly cash flow
- You want to explore whether consolidating debts could simplify your finances
You Want to Access Your Property Equity
- You're planning renovations or property improvements
- You want funds for an investment or another major financial goal
- You want to understand how much usable equity may be available
Note: Every financial situation is different. We’ll review your circumstances and help you understand which options may be suitable for you.
How We Can Help You
We take the time to understand your position, compare suitable lending options and guide you from initial review through to settlement.
Review Your Financial Position
We assess your existing home loan, debts, available equity and financial objectives.
Compare & Structure Suitable Options
We compare suitable lenders, loan structures, rates and features to help structure lending around your needs and goals
Support From Application to Settlement
We manage the application process and keep you informed throughout, from initial assessment through to settlement.
Debts You May Be Able to Consolidate
Depending on your circumstances and lender requirements, refinancing may allow you to consolidate debts such as:
- Credit card balances
- Personal loans
- Car loans
- Retail and other consumer finance
- Multiple debts or loan facilities
Consolidating debt can simplify your repayments and may reduce your monthly commitments. However, extending shorter-term debts over a longer home loan term can increase the total interest paid, so we’ll help you consider whether consolidation makes financial sense for your situation.
What We’ll Consider
Every situation is different. When assessing your refinancing or debt consolidation options, we’ll consider:
- Your income and ability to service the new loan
- Your existing home loan and other debts
- Your property value and available equity
- Your credit history and overall financial position
- Your goals and the reason for refinancing
- Even if your situation isn’t straightforward, talk to us. We can assess your circumstances and explore suitable options across our lender panel.
Why Choose Kesh Finance Solutions?
Experience That Helps Solve Problems
We bring extensive banking and finance experience to help navigate both straightforward and more complex borrowing situations.
Solutions Built Around You
We take the time to understand your circumstances, goals and priorities before recommending a lending structure.
Access to a Broad Range of Lenders
We compare options across banks, non-bank and specialist lenders to help identify a suitable solution for your circumstances.
Debt Consolidation & Refinance
Frequently Asked Questions
Ready to Review Your Home Loan?
Whether you want to reduce repayments, consolidate debts or simply find out if your current home loan is still right for you, we can review your position and help you understand your options.