Request a Free Consultation
Call Now

Refinancing and Debt Consolidation

Lower your repayments, reduce interest costs, and simplify your finances with tailored refinancing strategies from 70+ lenders.

Refinancing and Debt Consolidation

Convergence Finance Refinancing and Debt Consolidation

Why Choose Convergence Finance for Refinancing and Debt Consolidation?

Save Thousands

Average client saves $3,500+/year

Bad Credit Options

Specialist lenders for scores under 500

Fast Approvals

Refinance in as little as 48 hours approvals

Refinancing and Debt Consolidation

Mortgage Refinancing

Lower your home loan rate or access equity.

  • Rate Reduction : Avg. 0.5–1.5% below current loans
  • Equity Release : Renovate, invest, or consolidate debt
  • Debt Recycling : Turn home equity into tax-deductible debt
+61 390 524 040
Get Your Free Quote
Refinancing and Debt Consolidation

Personal Loan Refinancing

Combine high-interest debts into one affordable payment.

  • Consolidate Credit Cards : Rates from 5.99% vs 18–24%
  • Fixed Terms : 1–7 years with predictable repayments
  • No Early Exit Fees : Escape expensive loans
+61 390 524 040
Get Your Free Quote
Refinancing and Debt Consolidation

Business Loan Refinancing

Improve cash flow with better loan terms.

  • Equipment & Vehicle Refinance : Lower rates on existing assets
  • Working Capital Loans : Replace merchant cash advances
  • Commercial Property Refinance : Unlock trapped equity
+61 390 524 040
Get Your Free Quote
Refinancing and Debt Consolidation

Car Loan Refinancing

Reduce your auto loan rate by up to 4%.

  • New & Used Vehicles : Even private sale purchases
  • Balloon Payment Resets : Adjust repayment timelines
  • Balloon Payment Resets : Adjust repayment timelines
+61 390 524 040
Get Your Free Quote
Refinancing and Debt Consolidation

How It Works

Free
Debt Review

Free Debt Review

15-min call to analyze your loans

Lender
Negotiation

Lender Negotiation

We secure the best rates of industry

Seamless
Transition

Seamless Transition

Handle paperwork and lender switches

Start Your Application
Vehicle & Equipment Finance

Key Benefits of Debt Consolidation

Single Monthly Payment

Simplify your budgeting

Lower Interest Rates

Save 30–50% on current costs

Improved Credit Score

Reduce credit card utilization

Tax Advantages

Potential deductions for investment debts

FAQ

Common Questions Answered Fast

Find quick answers to common queries below. Can’t see your question? Contact our team for personalized advice.

What is refinancing and how does it work?

Refinancing involves replacing your existing home or investment loan with a new one—either with a different lender or your current one.

Debt consolidation through refinancing means combining multiple debts—such as credit cards, personal loans, or car loans—into one manageable home loan.

Yes, refinancing can significantly reduce your loan costs if you switch to a lower interest rate or reduce fees.

Eligibility depends on your credit score, property value, income, and current debt position. Most lenders will assess your ability to repay the refinanced loan.

The refinancing process typically takes between 2 to 4 weeks, depending on the complexity of your financial situation and how quickly documentation is provided.

Testimonial

What Our Clients Say About Us

Don’t just take our word for it—hear from satisfied clients who’ve transformed their financial futures with our tailored solutions and expert guidance.

Contact Our Team

Let’s Get In Touch

For immediate assistance, call our team. If you are prefer written communication? Reach out us via email.

Get Your Free Quote
+61 390 524 040
Request a Free Consultation
Call Now