Refinancing and Debt Restructuring

We can help you reduce your repayments and acquire lower interest rates.

our services

We are mortgage experts. There are many different types of finance and these are the main areas we cover:

We also work with trusted advisers on a purely professional basis - that is, no kickbacks - in the following areas:

  • Financial Planning - Long term strategy, Insurance, Superannuation, and Budgeting.
  • Conveyancing - To handle the legal Transfer of property from the seller to the buyer.
  • Legal - Estate Planning, Wills, Powers of Attorney and Family Law matters.
  • Accounting - We match professionals to your particular needs. e.g. Property Investors, SMSF.
  • Real Estate - Professionals who can source Property for you.
  • General Insurance - Building, Home Contents, Landlords, Business, and Liability.

our process

No Obligation AppointmentNo Obligation Appointment
No Obligation Appointment
In person or over the phone, we take the time to understand your specific needs.
Comprehensive Fact FindComprehensive Fact Find
Comprehensive Fact Find
We gather all required data, discuss critical issues, establish clear processes and set realistic expectations.
Finalise all DocumentationFinalise all Documentation
Finalise all Documentation
We do all the work, provide options and prepare all application and supplementary paperwork for you.
Obtain ApprovalObtain Approval
Obtain Approval
We deal with the lender on your behalf, complete all their specific requirements, answer questions and resolve issues to ensure a hassle free outcome for our clients.
We review and execute all contracts and mortgage documents with you and work towards settlement of your loan.
Ongoing SupportOngoing Support
Ongoing Support
We offer monthly updates, interest rate alerts, annual reviews and more.

our people

Andrew has been a Credit Adviser since 2000 and previously worked with Australia’s largest non-bank lender where he was runner up Lending Manager of the Year 2003 (the only nomination for Vic/Tas/SA).

Andrew also worked with Lending Specialists which attained winner and runner up status as PLAN Australia Broker of the Year 2003 and 2004. Andrew entered the Australian top 200 Broker List for the Professional Lenders Network in April 2008 and won the Leading Broker Award for Loans Actually in May 2008. Since that time, he has been in the top 200 each and every year.

Andrew has held various Finance, Property, Risk and Project Management roles. He qualified as a Real Estate Agent’s Representative in 1998, completed a Bachelor of Business: Business Administration (Accounting) in 2001 and completed a Diploma of Financial Services (Finance/Mortgage Broking Management) in 2006. He is an active property investor and practices what he preaches.
Carolyn holds a Bachelor of Business (Accounting) and a Diploma of Financial and Mortgage Broking Management and brings a wealth of experience, having worked for Australia's largest department store in Customer Service, Finance and Administration for more than 20 years. More recently, Carolyn has worked in the Financial Planning sector in an Administration role. Coupled with her mortgage expertise, Carolyn assists many of our clients with their SMSF and Investment properties. Carolyn is also charged with ensuring the office runs smoothly.


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Having Lime on my side meant that a lot of the worry involved with purchasing a house was gone. They thought of everything, from building inspections to contents insurance! Lime gave me great peace of mind.

Nicole W. - Heathmont VIC

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Very courteous and professional; also the regular communication was important to us.

Russell N. - North Croydon VIC

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Thanks to Andrew's dedication to my goals, I have been able to prosper financially. I have never found Andrew's commitment to clients elsewhere and I recommended him to a friend who has equally been impressed with his brilliant service.

Maria P. - West Melbourne VIC

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Debt Consolidation Loan Broker Melbourne

If you’re struggling to manage multiple debt and loan repayments, you may have considered a debt consolidation loan. Debt consolidation is the process of refinancing your home loan and rolling all your existing debts, including your current mortgage, into one new mortgage. A debt consolidation loan can encompass current credit card repayments, personal loans, property mortgages and more. 

If your debt consolidation loan is structured effectively, it will allow you to pay off all your debts in a single loan with a lower interest rate. However, by rolling all your debts into one longer term debt, you may end up paying more interest over time. 

If you’re considering refinancing your home loan, talk to our experienced debt consolidation loan broker in Melbourne. The professional team at Lime Financial Services can examine your financial situation, recommend if debt consolidation is right for you, and help you apply for the best loan from hundreds of options. 

Unlike the banks, we have access to a range of debt consolidation loans, including options from online lenders, credit unions, wholesale funders, and banks of all sizes. 

Our services are free to use, and if debt consolidation is right for you, we’ll handle all the paperwork and approvals on your behalf. Contact Lime Financial Services today for a no obligation initial consultation.

Should I Refinance My Home Loan? Melbourne’s Debt Consolidation Experts Answer Your Questions

If you’re struggling to repay your credit card, car loan, overdraft, or other personal loans, debt consolidation may be right for you. As well as providing you with one convenient repayment, debt consolidation may also be financially beneficial. 

However, you should always consider your current financial situation, potential lifestyle changes, and the type of loan before choosing to refinance your home loan. Melbourne locals can turn to Lime Financial Services for complete financial advice. 

As well as matching you with the best debt consolidation loan, our network of financial planners, conveyancers, lawyers, accountants and other professionals can advise you on all other matters related to debt consolidation. 

When Is Debt Consolidation a Good Idea?

If you’re looking to refinance your home loan in Melbourne, consider the following factors:

  • The interest rate of your new loan should be better than that of your old debts, both in the short-term and the long term.
  • Don’t just look for lower monthly repayments – consider annual fees, government levies, and the total interest over the course of your loan.
  • Have you considered drawing against your mortgage instead of refinancing your home loan? if you are ahead on your repayments, this may be a better option.
  • Have you talked to a mortgage broker? At Lime Financial Services, our team will find the best debt consolidation loan and help you get approved. While other lenders will only offer you their own products, we give you the best options across a wide range of lenders.

Talk to An Experienced Debt Consolidation Loan Broker in Melbourne

Lime Financial Services offers a simple, six-step process to assist you with debt consolidation: 

1.  A no obligation consultation, over the phone or in person

2.  Gathering all the relevant data and recommending the best course of action for you

3.  Taking care of all the paperwork and documentation related to your application

4.  Communicating with the lenders on your behalf to ensure a stress-free process

5.  Reviewing all documents and finalising the debt consolidation process

6.  Ongoing support from Lime Financial’s professional network 

For tailored advice on whether you should refinance your mortgage into a debt consolidation loan, contact Lime Financial Services now and organise your no obligation consultation.

contact us

Our job is to make your life a little easier.
Contact us now to discuss your particular situation.

Lime Financial Services Pty Ltd
P:  1300 724 088
M:  0400 100 777
F:  03 9887 4733

Make an Enquiry

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