Get relief from high-interest payments
Smart debt consolidation can save homeowners thousands
Consolidate high-interest debts into your home loan to save every month.
Call 1300 842 405 to speak directly to one of our team.
Save
Lower interest rates
Replace credit card rates of 20% with home loan rates as low as ~6%, putting thousands of dollars back in your pocket each year.
payment simplified
One simple payment
Use your home equity to refinance, and pay off credit cards and personal loan balances in one go. Eliminate the stress of multiple creditors and payment dates immediately and move to a single monthly payment.
Lower rates
Access better finance options
With consolidated debt, you'll unlock improved cash flow and better financial planning options without the stress of multiple creditors.
free
No cost to you
We’re paid by the lender, not by you - so you get our expertise and guidance with no upfront or out-of-pocket costs from us. As with any purchase or refinance, standard government fees apply.
30+ lenders for you to choose from
Hear from homeowners we've helped
How is a Tiimely Home broker different?
Unlock lower rates
Our brokers work smarter to find you the best deal from top lenders, plus exclusive home loans that you won’t find anywhere else. Award-winning service and rates starting at 5.69%.
AI-powered
Our world-first tech means we're more responsive, so you'll get your home loan approval, faster.
No commission, no bias
Our brokers don’t earn commissions, so their only incentive is getting you the best home loan.
Expert service, no bots
No robo-advice. Just real experts to guide you with as much (or little) support as you want. Tiimely Home has helped thousands of happy customers over 8+ years.
How it works
Your path to home ownership in four simple steps
Book a call with a broker
Answer a few questions about your current debts and home loan to see how much you could potentially save.
Review your options
We'll understand your situation and present clear consolidation options with projected savings and timelines.
Finalise & Celebrate
Once approved, you can pay off your existing debts and set up your new simplified payment plan, giving you immediate financial relief.
Sam and Mary had equity, but no cash flow—and rising debts
With two personal loans owing over $50K at interest rates up to 14.29% and a mortgage, their monthly budget was under pressure. Despite a patchy credit history, we helped them refinance to a highly competitive home loan rate, and utilised their equity to consolidate their debts into their home loan. Their monthly repayments dropped by over $1,000—freeing up cash, restoring control, and putting their next goal within reach.
This scenario is based on a real Tiimely Home broker customer experience. Names and image have been changed for privacy.
Who is debt consolidation for?
Debt consolidation loans are a good option for home owners who:
Have multiple high-interest debts (credit cards, personal loans, car loans)
Are making minimum payments but barely reducing principal
Have sufficient equity in their home to consolidate debts
Want to simplify multiple payments into one manageable solution
Tiimely Home Brokers
Meet the team
Veronica Foreman
Veronica (Ronnie) is a specialist broker, with 17 years industry experience. Ronnie’s ability to connect with people, her knowledge in home loans and tenacity to find the best value for her customer has built her a trusted reputation.
Sam Kapoor
Sam has 16 years finance experience, specialising in home loans and tailored lending solutions. An active property investor, Sam understands the the real estate market, which benefits his customers in financing their property goals.
Darlene Xerri
Darlene is a dedicated para-broker with a sharp analytical mind and a passion for helping people navigate their home lending journey. Her care and enthusiasm ensure customers feel well supported alongside our brokers while finding the right loan.
Have questions? We have answers
Will consolidating affect my credit score?
Initially, there may be a small impact when applying for refinancing, but in the long term, making consistent payments on one loan instead of juggling multiple debts typically improves your credit profile.
How much equity do I need in my home?
Generally, you'll need enough equity to keep your loan-to-value ratio below 80% after consolidation to avoid Lenders Mortgage Insurance, but we have solutions for various equity positions.
Is debt consolidation a temporary fix or long-term solution?
Our approach focuses on sustainable financial health. We create a concrete plan to ensure consolidation is part of a permanent solution, not just temporary relief.
Will I pay more interest over the long term?
While spreading debt over a longer mortgage term can increase total interest paid, we implement strategies to accelerate repayment once your immediate financial pressure is relieved.
Can I consolidate if I've missed payments on existing debts?
Yes, in many cases. Our specialists have extensive experience handling a wide range of financial situations, including those with less-than-perfect payment histories. However, if your credit score is low, debt consolidation may not be the best option.
Ready to take the next step?
Call 1300 842 405 to speak directly to one of our team.