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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:

First Home Buyers

First Home Owners Grant Processing, Low Deposit Loans, Education.

Business Owners

Commercial Buildings, Business Loans, Equipment Finance, Car Leases.

Refinancing and Debt Restructuring

Reduce your repayments and lower interest rates.

Property Investors

Interest Only Loans, Equity Release to Fund property Deposit and Fees.

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

Andrew Burgan

Andrew Burgan

Founder, Director and Credit Adviser

Carolyn Gunther

Carolyn Gunther

Credit Adviser

Meet Our People

testimonies

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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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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.