Debt Consolidation Wollongong
Welcome to Wollongong's Debt Consolidation
experts.
SimpleFin are Wollongong Debt Consolidation experts, helping locals across all of wider Illawarra get stress-free loans. Simply get in touch to discuss your Debt Consolidation goals.
We had a great experience with Greg from SimpleFin regarding what to do with our home loan, the funds we had in offset and how we could look to invest for our future. We would have set our home loans up all wrong if it wasn't for Greg. Highly recommend working with him, it was great!." ⭐⭐⭐⭐⭐
Debt Consolidation Mortgage Brokers that care
We help you find better Debt Consolidation options.
Your first home or your fifth, SimpleFin help make Wollongong home loans and financing simple. With access to 60+ leading lenders, no pushy sales, no confusing lingo, just local finance experts that find real options that works for you.
Greg began his broking career in 2014 at a boutique mortgage brokerage on Sydney’s Northern Beaches, quickly mastering the ever-changing lending landscape. In 2016, he joined NAB as an in-house mortgage broker, working with MLC (now IOOF/Insignia) Financial Planners, where his strong relationships and client-first approach led to rapid success.
From 2017 to 2024, Greg held key roles at PLAN, Choice, FAST, and Loan Market, ultimately serving as State Manager under Loan Market’s new private ownership.
Now, as a proud Wollongong local with a young family, Greg is dedicated to helping Wollongong locals achieve their financial dreams through home ownership and wealth creation.
1. Local Debt Consolidation experts.
Every question you have, no matter how big or small, gets a straight answer from the same person every time. You’ll always know exactly where you & your loan stands.
2. Jargon-free advice.
Home loans come wrapped in language most people don't use. LVR, LMI, comparison rates, serviceability. We cut through the noise and explain everything simply & practically.
3. More lender choice.
With 60+ lenders on our panel, we compare options and negotiate on behalf of our Debt Consolidation clients, so they can see how their loan stacks up.
We compare 60+ lenders to find a Debt Consolidation solution that works for you.
We work with Australia’s leading banks and non-bank lenders, giving you more options and loans tailored to your exact needs. No bias, just what works best for you.
WOLLONGONG MORTGAGE BROKER REViews
“We couldn’t be happier with the service we received from Greg at SimpleFin. We went to him with quite a complicated financial arrangement, and he made the whole process feel so much easier and more manageable. He was incredibly helpful and genuinely cared about getting the best outcome for us. We’re so grateful for his guidance and highly recommend him to anyone. Thanks again Greg!"
Annelie Watt
June 2026
★★★★★
Contact our Debt Consolidation expertS
Chat to our Debt Consolidation experts today.
We've been helping Wollongong home buyers, investors and families since 2014, with Debt Consolidation
advice that works for you - not the bank.
Get in touch.
We'll reply the same way you contacted me, unless you say otherwise.
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FAQs.
A Wollongong Debt Consolidation
should be simple, transparent and tailored to you. Here are some questions we're asked, with no jargon.
What is debt consolidation and how does it work?
Debt consolidation combines multiple debts, such as credit cards, personal loans, car loans and buy now pay later accounts, into a single loan with one repayment. The aim is usually a lower overall interest rate and a simpler, more manageable monthly commitment.
Consolidation can be done through a personal loan or, where you own property, by refinancing the debts into your home loan. Rolling debt into a mortgage lowers the repayment because it is spread over a longer term, but it can increase the total interest paid unless you make extra repayments.
Should I consolidate debt into my home loan?
It depends on your goals. Folding high interest debt into a home loan can reduce your monthly outgoings and free up cash flow. The trade off is that a debt you might have cleared in a few years is now spread across the life of the mortgage, so the long term interest cost can rise.
The strategy works best when you close the accounts being paid out and direct the cash flow saving back into the loan as extra repayments. We model both the monthly saving and the long term cost so the decision is made on real numbers.
Will debt consolidation affect my credit or borrowing power?
Consolidating and paying out multiple debts, then closing those accounts, can improve your position over time because lenders assess credit card and buy now pay later limits as commitments even when the balance is low.
Each application marks your credit file, and multiple applications in a short window signal stress to lenders, so it is better to have your situation assessed properly and submitted once. If a property purchase is on your horizon, the order in which you consolidate matters, and we will map out the sequence.
Can I consolidate debt if I have missed some payments?
Possibly. A few late payments do not automatically rule you out, and consolidation is sometimes the step that gets your finances back on track. Lenders will look at the pattern and recency of any missed payments, your current income and how much equity you have.
Mainstream lenders take a stricter view, while specialist lenders assess these situations case by case, usually at a higher rate. We will tell you honestly which path is realistic before anything is submitted.