Juggling multiple repayments? We’ll show you how to consolidate your debts into a single, smarter structure that reduces interest, improves cash flow, and accelerates your financial progress.
Debt consolidation combines multiple loans and credit card balances into one manageable repayment with a single interest rate and due date. This simplification reduces the stress of juggling multiple payments, lowers the risk of missed payments, and improves your control over your budget.
By qualifying for a debt consolidation loan with a lower interest rate than your existing debts, you reduce the total interest you pay over time. This can lead to lower monthly repayments and more money freed up for savings or other financial goals.
Unlike revolving credit, a consolidation loan has a fixed repayment plan, which means you know exactly how much to pay each month and when you’ll be debt-free. This clarity helps with better budgeting and faster debt reduction.
Managing a single, well-structured loan with timely repayments can positively impact your credit score. Reducing credit card balances and avoiding new debt during consolidation further support credit improvement.
With lower interest rates and streamlined repayments, debt consolidation can help you pay off your debts faster. More of your payments go toward principal rather than interest, shrinking your debt more quickly and bringing you closer to financial freedom.
Your borrowing power depends on your income, expenses, debts, and deposit size. At Crown Money SA, we not only calculate what you can borrow, we help you understand what you should borrow to stay financially comfortable and reach your goals faster.
Yes! Many clients use built-up equity in their current home to purchase an investment property or upgrade. We’ll help you structure your loans smartly so you grow your wealth without over-stretching your cash flow.
Most lenders require 10–20% of the purchase price, though this can vary depending on your situation. We can also explore low-deposit options and guarantor structures to help you get into the market sooner.
Absolutely. Refinancing can reduce your interest rate, consolidate debt, or free up equity for renovations or investments. We also review your loan structure to ensure your repayments are working to reduce your debt faster, not just maintain it.
Generally, you’ll need recent payslips or tax returns, ID, bank statements, and details of any current debts or assets. We’ll provide a simple checklist and guide you through the process step-by-step.
Pre-approval timeframes vary by lender, but most applications take 3-10 business days, depending on how quickly supporting documents are provided and how busy the lender is. Full approval usually follows once your property is confirmed. Our team keeps the process moving and communicates with you every step of the way.
Unlike traditional brokers, we don’t stop once your loan settles. We offer ongoing coaching, accountability, and annual reviews to help you pay off your home in record time, often within 12–15 years instead of 30.
Rental income can help you qualify for a higher loan amount, while tax deductions (like interest and depreciation) can improve your cash flow. We’ll show you how to structure your investment loans to maximise these benefits safely.
An investment loan is designed for properties you rent out, not live in. Lenders assess them differently, often with slightly higher rates. We’ll help you choose the right setup so your investment supports your long-term wealth strategy.
