Debt Consolidation Australia

... where your financial freedom begins!

AFFILIATES

QUOTES

Knowledgebase

Collateral:
An asset that a borrower offers as a way for a lender to secure the loan.

Debt Consolidation Australia :: Calculators

Share this calculator!

Debt Consolidation Australia Personal Loan Repayment Calculator

Calculate repayments with our Personal Loan Calculator. Compare loan terms, view repayment schedules, and plan your personal finance with confidence.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Personal Loan Details:

Years

% per Annum

calculate

Important!

Personal Loan Interest Rates differ from lender to lender and will depend on your individual circumstances (credit history, employment status, age, etc.). To find out if you qualify ... and for a free, personalised interest rate and repayment quote, please CLICK HERE

Personal Loan Amortisation Calculator

The following amortisation graphs detail month-by-month data on the progress of the proposed loan. The first chart below examines the reducing loan balance over the course of the finance contract term. The second graph illustrates the portion of each monthly repayment allocated to payment of interest vs principal reduction.

Share this calculator:

Debt Consolidation Articles

The Ultimate Guide to Achieving Financial Freedom Through Debt Restructuring

Financial stability is a common aspiration, yet many Australians find themselves weighed down by the burden of debt. Whether it’s due to loans, credit cards, or unexpected financial emergencies, the struggle to stay afloat is a reality for countless individuals striving to achieve their dreams of a secure, debt-free future. - read more

The Beginner's Blueprint to Creating an Effective Family Budget

In a world marked by economic uncertainties and the ever-mounting cost of living, the importance of a sound family budget cannot be overstated. Today's economic climate necessitates not just prudent but strategic financial planning. With the right budget in place, families can navigate the choppy waters of their finances, avoiding the all-too-common pitfalls of overspending and under-saving. - read more

The Reality of Debt Consolidation: Does it Affect Your Ability to Borrow in Future?

Welcome to a comprehensive guide aimed at dismantling the common myths that cloud the concepts of debt consolidation and debt reduction. Amidst widespread financial stress, debt consolidation emerges as a popular strategy for Australians in search of relief from their monetary burdens. - read more

Proven Strategies for Australians to Improve Credit Scores

Welcome, readers! We're here to talk about something incredibly important yet often overlooked: improving your credit score. Your credit score is a financial report card used to evaluate your creditworthiness, and it can have a significant impact on your ability to secure loans, mortgages, and even rental agreements. - read more

How to Avoid Falling Back into Debt: Post-Consolidation Best Practices

Welcome to our guide on how to avoid falling back into debt after consolidating your debts. Debt consolidation can be a fantastic way to manage multiple financial obligations, combining them into a single, more manageable payment plan. But the journey doesn’t end there. - read more

Finance News

Australian Borrowers Turn to Refinancing Amidst Rising Mortgage Arrears

28 Dec 2025: Paige Estritori

Recent data indicates a notable increase in mortgage refinancing across Australia, driven by borrowers seeking improved loan terms in response to escalating arrears, particularly among substantial loans. This trend underscores the financial pressures many Australians are currently facing. - read more

Australia's Private Debt Market Hits $224 Billion Milestone

28 Dec 2025: Paige Estritori

Australia's private debt market has experienced significant growth, with assets under management reaching A$224 billion—a 9% increase from the previous year. This milestone reflects a consistent shift in capital deployment within the Australian lending market, signaling a new chapter of innovation and flexibility. - read more

ASIC's Comprehensive Review Targets Debt Management and Credit Repair Firms

28 Dec 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has announced a thorough review of the debt management and credit repair sector, aiming to assess compliance with legal requirements and enhance consumer protection, particularly for individuals facing financial difficulties. - read more

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know

20 Dec 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending. This measure applies to both owner-occupiers and investors, with an exemption for new housing developments. - read more

ASIC's Review of Debt Management Firms: Ensuring Consumer Protection

20 Dec 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has announced a comprehensive review of the debt management and credit repair sector, citing concerns about consumer protection, particularly for those facing financial difficulties. This initiative aims to assess how approximately 100 licensed businesses in the sector comply with legal requirements and to examine the range of business models used by these firms. - read more

Click for more Finance News

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.