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Improve your financial situation

Debt Consolidation

Are you currently feeling swamped with personal debt? Finding it difficult to stay afloat? Do you have little money left to yourself after paying the bills each month? Unfortunately, many Australians who are overwhelmed with debt can find themselves missing monthly repayments. This difficult situation can lead to a default on your credit score.

At Lanyana Financial Group, we can combine your debts and alleviate debt stress with a debt consolidation loan. Multiple debts such as personal loans, credit cards and mortgage repayments can be consolidated by rolling all of your existing personal debts into one, easy-to-manage loan. Debt consolidation can help you better manage your debt repayments, reduce the interest you have to pay and the associated fees.

Debt consolidation can be extremely beneficial in the right circumstances. Before you consider debt consolidation, it’s worth considering:

  • The interest and fees involved in breaking any existing debt contracts,
  • Interest charges on your new loan vs the interest on your existing debts,
  • Comparing repayments on your new loan to what you’re currently paying, and
  • The setup and account keeping fees for your new loan.

“Great experience in a very stressful period. I was offered options and given all relevant information to make an informed decision on which way to go to resolve my financial stress. Very helpful and understanding staff.” - Brenda

Regain control

Benefits of Debt Consolidation

Reduce Interest

Reduce your interest by paying out debts that have a higher interest rate.

Improve Cashflow

Increase and improve cashflow through one lower loan repayment.

Simplify Fees

Remove multiple excessive fees on your debts by consolidating them into one loan.

Relieve Stress

You won’t have to stress about juggling numerous debt repayments.

We don’t judge you on your bad credit history. We can help consolidate your debts into one, affordable monthly payment.

Don’t wait until it’s too late

Debts Included in a Debt Consolidation Loan

You can consolidate all unsecured debts into a debt consolidation loan, including personal loans, credit cards and store and charge cards. You can also consolidate bills, such as any unpaid phone or electricity bills.

Secured debts, debts that are secured against an asset, can be consolidated with unsecured debts into a debt consolidation home loan, provided there is sufficient equity in the underlying asset.

“Thank you for the team to guiding me through this tough time, I can now restart my future after my financial disaster. Would recommend anyone who doesn’t know what to do to chat with them. You have an option that suits you to get out of your stressful time, thank you again.” - Adrian

Depending on your situation

Types of Debt Consolidation

Home Loan

You can use the equity in your mortgage to pay out existing loans through a mortgage refinance. Refinancing your mortgage will reduce the interest you’re paying on your debts, saving you money.

Personal Loan

A debt consolidation personal loan is generally not secured against any asset. A creditor will lend money to you to pay out any existing unsecured debts based on your income capacity to repay the loan.

Stop struggling with multiple repayments and combine your debts into a single debt consolidation loan with Lanyana Financial Group.

What really counts

The Lanyana Difference

Lanyana Financial Group is a specialist financial company helping people move forward financially. We support Australian businesses and individuals with debt management and lending solutions.

Diversity

We offer an inclusive environment for all staff which is accepting of their differences, embraces their strengths and provides opportunities to achieve their full potential.

Holistic

We provide a holistic approach to financial freedom. We can help all Australians, no matter their situation and guide them through their solution from start to finish.

Australian Owned

Lanyana Financial Group is proudly Australian owned and operated. With a focus on customer service, our caring staff are always available to speak with our clients.

Tailored

We pride ourselves on offering tailored financial solutions to help Australian’s move forward financially. No two people are the same and neither are our solutions.

Transparent

Clear, unhindered honesty in the way we do business. In a time of financial hardship, our clients need reliable advice, clear information and respect. That’s what we offer.

Professional

Lanyana Financial Group is committed to professionalism. We maintain our integrity in our interactions with our clients, their creditors and our corporate partners.

“I was in a terrible state and would never have paid off my bills, wonderfully empathetic staff helped me see how I could get rid of all my debt in just 3 years. I wish I’d done this 5 years ago.” - Tina

They're good

Our Articles

Want to learn more? Discover our archive of debt consolidation articles below.

What is Debt Consolidation?

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Reduce Your Debts Through Debt Consolidation

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Debt Consolidation for Bad Credit

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Get your finances back on track by consolidating your debts into one, easy-to-manage repayment.

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