Simplify Your Finances & Save
Juggling credit cards at 18–23% p.a., personal loans, and car repayments? Dahiya Mortgage & Finance helps clients across Melbourne combine all debts into one low-rate payment — potentially saving $500+ monthly. Home equity consolidation from 5.99% p.a., unsecured from 6.99% p.a. One call could save you $36,000+ over 10 years.
Key Benefits
Our Debt Consolidation Process
Debt consolidation combines credit cards (18–23% p.a.), personal loans, car loans, and store cards into one affordable payment — dramatically reducing total interest paid. For a typical Cranbourne family with $40k in debts, consolidation can mean $600 less per month and $36,000+ saved over 10 years.
We offer three consolidation paths: home equity (using property security for the lowest rates — 5.99–7.99% p.a., up to $500,000+ amounts), unsecured personal loan consolidation (for renters or smaller debts under $50k — 6.99–12.99% p.a., approved in 24–48 hours), and vehicle-secured consolidation from 6.49% p.a. We analyse all your debts and recommend the optimal strategy.
Free Debt Audit
We tally all your debts, interest rates, and repayments to calculate your true consolidation savings.
Strategy Planning
Custom consolidation plan — home equity refinance, personal loan, or hybrid approach for your situation.
Rate Reduction
Move from credit card rates of 18–23% to a consolidated rate of 5.99–8.49% — saving thousands yearly.
Budget Simplification
One manageable repayment replaces multiple due dates, reducing stress and helping you become debt-free faster.
Debt Consolidation Across Melbourne
Frequently Asked Questions
In most cases, significantly. Consolidating $40k in credit card debt at 22% into a home equity loan at 6.5% saves over $6,000 per year in interest alone — plus lower monthly repayments.
Yes, if you have sufficient equity. Home equity consolidation provides the lowest rates (from 5.99% p.a.) but extends the debt over a longer term. We calculate if this makes financial sense for you.
Initially there's a small impact from the new application. Over time, consolidation typically improves your credit score by reducing your debt-to-income ratio and simplifying repayment management.
Take control of your finances.
Speak with Sunil Dahiya and the team. No obligations, just honest advice tailored to your situation.