Personal Loans & Debt Consolidation
What you can comfortably repay decides the loan. We start there.
We’ll help you work out what fits your budget, what it does to your borrowing capacity later, and which lenders your situation fits before anything is submitted.
No obligation to proceed, and no pressure to borrow more than you came for.
Affordability Before Approval
Personal Loan Broker
The first question is what sits comfortably in your budget now and still does in 3 years. Not what the maximum figure is.
We Check Your Next Loan Too
A personal loan changes your future borrowing capacity. You will know roughly by how much before you sign anything, not afterwards.
Sometimes The Answer Is Savings
If using savings is the more sensible option for your position, you will hear that from us. We are not here to write a loan you did not need.
60+ lenders on the panel. Assessed against the loan you might want next.
Personal Lending Testimonial
“Highly skilled, excellent communication and knowledgeable about all aspects of financing and property purchase.”
Sharon G.
FINANS Client
Debt Consolidation
Consolidation is not only for people in trouble. Most of the people who ask about it have a credit card, a car loan, a personal loan and a buy now pay later arrangement. Multiple repayment dates and rates with no easy way to see the whole picture.
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Whether combining eligible debts improves your position, or only moves it
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What the total cost looks like across the full term, not just the monthly figure
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Whether refinancing the loan is the more suitable structure for you
BOOK A CONSULTATION
Tell us what you’re borrowing for and what you can comfortably pay. We’ll work from there.
We’ll explain the options in plain English and make sure you understand the costs and the responsibilities before anything is submitted.
A repayment figure that fits your budget now and in three years
What this does to your borrowing capacity for a home, before you commit
Whether borrowing or using savings is the more sensible move for you
Personal Loans for the Self-Employed & Low Doc Options
Navigating commercial credit guidelines alone wastes time and puts your credit file at risk. Walking blindly into a bank branch limits you to their singular risk appetite. As specialised business finance brokers, we map your operation across a panel of institutional, non-bank, and private lenders simultaneously. We protect your personal equity, bypass unnecessary full-doc tax audits with tailored low doc business loan pathways, and structure facility limits that scale dynamically with your revenue instead of strangling your daily cash flow.
“No question was ever too much, she and Rahul patiently guided me, offered thoughtful advice, and supported me every step of the way. Working with them was not only seamless and professional but also an absolute pleasure on a personal level.”
Emma A.
Personal Loans & Debt Consolidation FAQs
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Our initial conversation is free, with no obligation to proceed. For most home loans, we’re paid a commission by the lender when your loan settles, so there’s no broker fee payable by you.
For commercial, business or equipment finance, or more complex lending, a fee may apply. We’ll explain how we’re paid and confirm any fees before you decide to proceed.
Any lender fees or other loan costs will also be explained, so you know what to expect.
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That is the first thing we work out, and it comes before any discussion of lenders. We look at your income, your commitments and your living expenses, then set the repayment against what still works if something changes.
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The same way we do on a home loan. We work out whose credit rules your position actually fits, narrow that on what you can borrow, and settle the number with the ones left standing.
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It can. A personal loan sits on your commitments and reduces what a lender will consider for a mortgage. You will know roughly by how much before you commit, so today’s decision is made with next year’s in view.
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Sometimes finance makes sense. Sometimes savings are the better option. We will talk through both and be straight with you about which suits your position, even when that means we do not write a loan.
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Not all personal loans are the same. We compare lenders and explain the differences, whether you are after flexibility, lower repayments or a shorter term, and tell you why we have landed where we have.
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The full term rather than the monthly figure, whether the debts you want combined are eligible, and what the structure does to your position rather than just your repayment date. We will walk through all three before anything is submitted.
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Your income and employment, assets and liabilities, existing commitments, living expenses and credit history, plus what the loan is for and what you are hoping to borrow. After the first conversation it is all done through the secure online Fact Find and FileInvite portal.