You're not bad with money. Your debt is just set up wrong.
Most people don't need another budget. They need someone to sort the mess out. Consolidate the debts, fix the cash flow, and build a plan that actually works.
60 seconds · No credit check
Average Monthly Saving
$0
Across recent client consolidations
Google Rating
5.0
Every review. Every client. Five stars.
Lender Panel
0+
Including specialist & non-bank lenders
Bad credit welcomeATO debtDefaults & arrearsSelf-employedCredit cards & personal loansBNPL debtBank said no?Australia-wideMost clients settle in 2-3 weeksBad credit welcomeATO debtDefaults & arrearsSelf-employedCredit cards & personal loansBNPL debtBank said no?Australia-wideMost clients settle in 2-3 weeks
The real problem
Every repayment goes out. Nothing gets better.
Redundancy. Medical bills. A business that didn't land. The debt piled up, and the repayments weren't built for where you are now. Credit cards. Personal loans. Car finance. BNPL. Money leaving from every direction and the balances barely move. That's not a discipline problem. It's a setup problem, and it has a fix.
Juggling due dates
Multiple debts, multiple due dates, multiple minimum payments. One missed and the dominoes start falling.
Interest eating your payments
You're paying hundreds a month and the balance drops by tens. High interest is the silent killer.
Banks already said no
You tried the obvious option and got knocked back. Doesn't mean there isn't a path. They just don't do these files.
Lying awake at 3am
Running the numbers. Dreading the next bill. Wondering how you got here. You're not alone in this.
"You're not bad with money. Life happened - and your debt setup hasn't caught up."
Most homeowners are sitting on the solution without realising it. A proper consolidation plan can replace the chaos with a single, lower repayment and a real path to debt-free.
"Most people we talk to have been carrying this alone for months. They think it's worse than it is. Our job is to show them what's actually possible, even when banks have already said no."
Specialist, not a generalist
This is all we do. Debt consolidation for homeowners, every day, every file.
Harder scenarios welcome
Bad credit, defaults, ATO debt, self-employed. We handle these files every day.
Strategy before paperwork
We don't start with forms. We start with your full picture and show you what's possible.
5.0 Google RatingAustralia-Wide40+ Lenders
Real Results
What debt consolidation done properly looks like
Every situation is different. Here's what happened when these homeowners got the right plan in place.
Average Saving
$0
per month across recent clients
Sarah & Tom
Personal loan, credit cards, and a car loan. Seven repayments became one.
$1,635saved per month
On track to cut 10+ years off mortgage
Peter & Amy
ATO debt, credit cards, and wagepay accounts. All cleared and consolidated.
$2,400saved per month
All debts in a single repayment
Fiona & Jeff
Personal loans, credit cards, BNPL. Big banks had already said no.
$3,120saved per month
Approved even with bad credit
*Results based on real client scenarios. Individual outcomes depend on financial situation, loan terms, and lender criteria.
How It Works
Four steps to breathing room
No paperwork to start. No credit check. Just a clear path forward.
1
Take the 60-second quiz
Quick questions about your situation. Completely private.
2
Get your strategy call
We walk through the numbers and show you what's actually possible.
3
We build your plan
The right lender, the right plan. We handle everything.
4
One repayment. Relief.
Debts gone. Cash flow freed. Most clients settle within 2-3 weeks.
Common Questions
You're probably wondering…
"I've already been told no by a bank or another broker - am I wasting my time?"
Most people we restructure have been told no at least once - that's why they come to us. A bank reads your file through one lens. A lot of generalist brokers stop reading after the first knockback. We work with a panel of lenders that price for the full picture - credit history, ATO debt, late payments included. Worth filling out the form to see what we'd actually say.
"Will filling this in hit my credit file?"
No. The form is information you tell us - nothing's pulled from a credit bureau. A formal credit check only happens later in the process, once you've decided you want to move forward and we've confirmed a lender that fits. Nothing happens to your file just by talking to us.
"Is this a Part IX or a debt agreement?"
No. Loop is a credit assistance provider, not an insolvency operator. A Part IX debt agreement is a formal insolvency arrangement that sits on your credit file for years. What we do is a refinance - we restructure your debts into a properly set-up home loan. Different product, different outcome, no insolvency mark.
"How quickly will I hear from you?"
Same day during business hours - the next business day if you fill it in after hours. We don't sit on enquiries. If you'd rather lock a time in directly, the booking link on the success screen will hold a slot with whichever of us is free first.
"What makes Loop different from going to my own bank?"
Your bank has one lender on its panel - itself. It can only offer what fits its own policy. We work with 40+ lenders, including specialist lenders banks don't refer to. Same situation, different shape of advice: a bank restructures where it suits the bank; we restructure where it suits you.
"I'm self-employed - is that a problem?"
Not at all. We work with self-employed Australians every week. The documentation looks different - BAS, notices of assessment, sometimes contracts - but we know which lenders read the file properly. It's one of the more common situations we see.
"Doesn't this just move debt around?"
Not when it's done the right way. The wrong consolidation extends the term and pays the same debt for longer. The right one fixes the shape - lower monthly cost, a real plan to pay it down, and breathing room you can actually feel. That's the difference between a band-aid and a proper plan.
Homeowner with debt pressure? Let's map your next move.
60 seconds. No credit check. No commitment.
See what's possible - free
Takes 60 seconds. No credit check required.
Step 1 of 7
Do you own your home or have a mortgage?
Step 2 of 7
What are you looking to achieve?
Step 3 of 7
What's your employment situation?
Step 4 of 7
What's your current mortgage balance?
A rough estimate is fine
Step 5 of 7
How much do you owe across all other debts?
Credit cards, personal loans, car loans, BNPL, ATO. Everything outside the mortgage
Before we keep going
Honest note before you finish.
At lower loan amounts, our consolidation strategy doesn't always pay off the way it does on larger files. The savings tend to be smaller and the move can stop being worth doing. We're still happy to take a look if you'd like us to. There would be a broker fee at this size, paid out of your equity at settlement, nothing upfront.
Step 6 of 7
Has anything like this come up recently?
No judgement. We specialise in tricky situations and still get the deal done.
Select any that apply, then tap Continue
Step 7 of 7 - Almost there
Great. Let's get you in front of a specialist.
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No credit check. 100% private. We'll never spam you.
Debt consolidation through a home loan requires property ownership, but we may still be able to point you in the right direction.
