Refinancing and Debt Restructuring

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

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.

Our Services

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

Home Upgraders

Purchasing a larger family home.

Self-Managed Super Funds

Using your Superannuation to buy an Investment Property.

  • 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 people

Testimonies

Quote mark left

Thank you to Andrew and the team at Lime Financial, not only for helping us purchase our first home, but for being there for us every step of the way during our refinance process. They are always very responsive and go above and beyond to meet our needs.

Jess Notting

Quote mark right
Quote mark left

Our family have had the pleasure of dealing with Lime for close to 20 Years! Andrew in particular has always helped us with any of our mortgage needs. The most recent was to help our Son and his Fiance with the purchase of their 1st home. I would highly recommend using Lime. Andrew has gone above and beyond all expectations for us and we are truly grateful for all the help and guidance he has given us over the years!

Mary Bishop

Quote mark right
Quote mark left

Andrew and the team are absolutely amazing. Everyone is very friendly and helpful in what can be a stressful time. They explain everything, all the steps and make it's as easy as possible to help achieve the best outcome. I highly recommend them, this is my second mortgage using lime financials. They are worth more than 5 stars 🌟

Fallon Collett

Quote mark right
Quote mark left

I just utilised the services of Andrew and his team at Lime Financial Services for my first home loan and my experience was brilliant! Andrew and Dan kept in touch with me regularly, answered all of my questions and were incredibly responsive to my many emails. In addition to being incredibly literate in their field, they were kind as well which goes a long way. Would highly recommend for anyone looking for a mortgage broker for a new home loan or refinancing. 5 star service!!!

Bridgitte

Quote mark right
Quote mark left

Andrew and the team at lime Financial are Awesome. They are always available to answer any questions and helped make the process of buying and selling as smooth as possible. I have used lime financial a few times and they have always been great, I would highly recommend. Thanks again Andrew and team.

Megan Miller

Quote mark right
Quote mark left

Andrew and the team from Lime Financial Services are amazing. They have helped us buy our first and second home. They helped us understand the whole process of buying and selling. I would highly recommend them.

Melissa Cecchin

Quote mark right
Quote mark left

We have dealt with Andrew and his team for years now and have always found them extremely diligent, professional and approachable. In our recent experience we had very tight deadlines and they managed to help us secure a loan in record time which in turn allowed us to quickly convert the purchase of our new home. Thanks again and looking forward to continuing dealing with you.

Felipe Merizalde

Quote mark right
Quote mark left

I was referred to Dan by a friend and I am so glad I decided to go with them. As a first home buyer, both Dan and Andrew have been amazing! They were very supportive throughout the whole the process, explained everything, and answered all our questions. Thanks to them, buying our first home was a genuinely stress free experience. You cannot go wrong by choosing these guys.

Sam S.I.

Quote mark right
Quote mark left

I have used Lime Financial Services on a few occasions now over the years to obtain finance for both a new mortgage and to borrow additional funds. I have always found their service to be nothing short of exceptional. They are extremely through and very prompt to respond to any questions. They kept me well informed throughout the entire process making it a very easy, smooth process. Thank you so much again Andrew and team we are extremely grateful for all your hard work.

Kelly Aitken

Quote mark right
Quote mark left

Have used Andrew & his team for several mortgages now; wouldn't go anywhere else (even though I've moved interstate). Lime know their stuff, are fantastic to deal with, and have deep experience navigating complicated financials (our initial referral to them was after having a poor experience with a broker from a larger firm; Lime made it all very easy in comparison!).

Ryan Verner

Quote mark right

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.