Debt Consolidation › Can I consolidate car and personal loans?

Can I consolidate car and personal loans?

Yes. Car loans and personal loans are among the most common debts rolled into a mortgage, since their rates are usually well above home loan rates. The cash flow improvement can be significant.

Written by Ross McFarlane, Licensed Mortgage Broker (Credit Representative 526725). About the author

Why this matters

These debts often carry much higher rates than a mortgage, so consolidating them can noticeably cut your monthly outgoings. The same caution applies: keep paying enough that you are not stretching a five year car loan across a thirty year mortgage. Used with discipline, it frees up real monthly cash flow.

The key points

Car and personal loans are commonly consolidated.
Their rates are usually well above home loan rates.
The monthly cash flow improvement can be large.
Keep repayments up to avoid stretching the term.

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Last reviewed: June 2026

General information only. This page provides general information about home loans and is not financial or credit advice, a quote, or a guarantee, and your personal circumstances have not been considered. Lending policies, interest rates, fees and eligibility vary by lender and change over time. Always confirm your own situation with a licensed mortgage broker or lender before acting. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.