Debt Consolidation › How much debt can I consolidate against my home?

How much debt can I consolidate against my home?

It depends on your equity. Many lenders allow consolidation while keeping the loan up to around 80 percent of your home value without insurance. Above that, insurance or a specialist lender may be needed, and serviceability still applies.

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

Why this matters

The amount you can consolidate is capped by both your property value and your income. The common comfortable ceiling is around 80 percent of value. Some lenders go higher with insurance or under specialist policy, but the more you consolidate, the more important it is that the repayments still fit your budget comfortably.

The key points

Often up to around 80 percent of value without insurance.
Above that needs insurance or a specialist lender.
Serviceability still applies.
Higher amounts must still fit your budget.

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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.