Debt Consolidation › Can I consolidate credit card debt into my mortgage?

Can I consolidate credit card debt into my mortgage?

Yes. Credit card debt is one of the most common targets for consolidation, because card rates are usually very high. Rolling balances into your home loan can cut the interest sharply and replace several payments with one.

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

Why this matters

Credit cards often carry the highest rates of any consumer debt, so the interest saving from consolidating can be large. The risk is behavioural: if the cards are paid off and then run back up, you end up worse off, with both a bigger mortgage and card debt again. Closing or reducing the cards is the key discipline.

The key points

Card rates are usually very high.
Consolidating can cut the interest sharply.
The risk is running the cards back up.
Closing or reducing the cards is key.

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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.