Debt Consolidation Services


Statistics show that Australian household debt is at record levels. And many people are paying more interest than they need to on their debt. What this means is that it can be difficult, cost a lot more and take a lot longer to reduce the amount owing.


If you have debts - especially those with very high interest rates such as credit cards or personal loans - it can be very wise move to consolidate them into one loan at a lower overall interest rate.


This has the twin benefits of saving you money and making it easier to track (and control) how much you owe.

When it comes to consolidating your debts there are a range of options available. Which one is the most appropriate for you depends on your individual circumstances. Factors such as how much equity you have in your current home, the nature and number of your debts, your overall financial situation and your time frame.


Working through all the options and taking everything into account can be reasonably complex, but very rewarding.

This is where our knowledge and experience can be invaluable. We'll look at your total situation and work with you to explain all your options and the advantages and risks associated with each. Then they'll ensure you get the full benefits from the loan of your choice.

We will provide you with an analysis of what the financial consequences if you maintain your current loan and repayment program verse consolidating your debts into one manageable loan facility and how much you could potential save by doing so.


When we review your individual situation we may recommend one of the following or even a combination of these home loans as part of your mortgage plan. Click on the links below to research these home loan products and how they could help you become debt free sooner.

Basic Home Loan
Professional Loan Loan Package
Line of Credit
Standard Variable Rate Home Loan
Fixed Rate Home Loan
Split Rate Home Loan
Like to know more about the home loan process then review our Guide to Home Loans.

If you would like to discuss consolidating your debts and creating a mortgage plan then please call us or complete the form below and we will contact you.


Office Contact Details

Phone: 02 - 4272 8250

Fax:       02- 4271-8567


General Information:

Direct Email:


info@cfsfinance.com.au

david@cfsfinance.com.au

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Like To Get Your Debt Consolidation underway?

To help us help you we have developed an online application form that collects all the necessary information we need  to assess your situation. Please take the time to complete online, its secure and easy to complete. We will receive a confirmation through our system and will contact you to discuss your situation in more detail. It only takes a few minutes to complete. Just simply click the apply online button.

Apply Online for your Home Loan

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  • 10 steps to buying a home
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David Carruthers is a credit representative (Credit Representative Number [400226]) of BLSSA Pty Ltd (Australian Credit Licence No. 391237).