Debt Consolidation › Can I consolidate ATO or tax debt into my home loan?

Can I consolidate ATO or tax debt into my home loan?

Sometimes. Some specialist lenders will refinance and include funds to pay out tax debt at settlement, especially for self-employed borrowers. Mainstream lenders are generally reluctant, so it often needs a specialist pathway.

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

Why this matters

Tax debt worries lenders because it signals cash flow strain, so most banks shy away. Specialist lenders are more flexible and can structure the loan to clear the ATO at settlement, which removes the debt and any payment plan. It usually costs more, so the goal is to resolve the tax issue then move back to a sharper rate.

The key points

Some specialist lenders can pay out tax debt at settlement.
Mainstream lenders are generally reluctant.
Common for self-employed borrowers.
Often a stepping stone to a better rate later.

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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.