At SWB, we understand the everyday financial pressures many Australians face, especially here in Queensland, where the cost of living, mortgage rates, and lifestyle expenses can pile up quickly. Whether it’s juggling multiple loans, credit card balances, or dreaming about that next big renovation, we’re here to help our clients take control of their financial future.
One of the most powerful tools we use is debt consolidation and refinancing — and the results speak for themselves.
Debt consolidation can be a lifesaver. It involves rolling multiple debts—such as car loans, credit cards, and personal loans—into a single loan, often tied to your mortgage. This approach simplifies repayments and can significantly reduce your interest costs. We can even give you tips on how paying a little extra each month can help you stay on track to pay off your loan within a 30-year term, allowing you to become debt-free sooner. (This comes with EXPERIENCED brokers by your side)
Refinancing takes this a step further, by replacing your current home loan with a new one, often at a better rate or with more flexible features. When done right, it can unlock equity and transform your cash flow.
1. Family in Carindale: Two Car Loans + Credit Card Debt
Before:
After:
Consolidated into home loan via refinancing balance now $584,000
New rate: 5.75% with mthly repayment now $3408..07 per mth
Outcome : Monthly cash surplus per mth is now $1042.68 increase (Further financial opportunities to use)
2. Couple in North Lakes: Home Loan + Personal Debt Refi
Before:
$480,000 home loan
$15,000 personal loan
$8,000 credit card debt
Monthly outflow: ~$3800
After:
Refinanced into one new mortgage at 5.75%
Total new loan: $503,000
Monthly repayment: ~$2935.37
Outcome: Reduced stress, simplified finances, and they’re now planning a bathroom renovation using built-up equity.
3. Debt Recycling for Future Growth in Indooroopilly
Client Profile: Mid-40s professional couple, $680K mortgage, $100K in equity
Strategy: Debt recycling by splitting the loan and using one portion for investment (purchasing shares)
Tax Benefit: Interest on the investment portion becomes tax-deductible
Outcome: Long-term wealth-building strategy that works alongside their mortgage, without increasing their total repayments.
Lower Interest Rates: Save thousands over the life of your loan.
One Easy Repayment: Simplify budgeting by managing one monthly repayment.
Free Up Cash Flow: More money in your pocket every month.
Access to Equity: Use the value in your home for renovations, investments, or even buying an investment property.
Debt Recycling Opportunities: Create a tax-efficient strategy for building wealth.
When is the Right Time to Refinance or Consolidate?
Your interest rate is higher than current market rates
You’re juggling multiple debts and finding repayments overwhelming
You have at least 20% equity in your property
You want to invest, renovate, or grow your wealth more strategically
Let’s Talk About What’s Possible
At SWB, we don’t just refinance loans — we create opportunities. Whether you’re dreaming of a home upgrade, looking to get out of debt faster, or exploring smart ways to build wealth, we’re here to help you take the next step.
Let’s run the numbers and show you what’s possible. A 10-minute conversation could save you thousands. We help hundreds of people each year to do this and change their lives. It’s not supposed to be difficult.