Debt Consolidation › What is debt consolidation into a home loan?

What is debt consolidation into a home loan?

Debt consolidation means rolling higher interest debts, like credit cards, personal loans, or car loans, into your home loan, so you make one repayment at the lower home loan rate instead of several at higher rates.

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

Why this matters

The appeal is simple: home loan rates are usually much lower than credit card or personal loan rates, and one repayment is easier to manage than many. Done well it improves monthly cash flow. The catch is that stretching short debts over a long mortgage term can cost more in total interest if you are not careful.

The key points

Higher interest debts roll into your home loan.
You make one repayment at the lower rate.
It can improve monthly cash flow.
Watch the total interest over a long term.

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More debt consolidation questions

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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.