Funding for
Debt consolidation
If your business is carrying several short-term facilities at once — a caveat loan, a second mortgage, an overdue ATO balance, a few stretched creditors — each with its own rate and its own due date, the cost and the admin pile up fast. Debt consolidation rolls those obligations into one loan secured against equity in property your company or trust already owns, so you manage a single rate, a single repayment and a single exit. It's assessed on the equity and the exit, not your income.
Indicative only — subject to assessment. Placeholder figures.
What juggling several facilities costs you
A business that has raised money in stages often ends up with a stack of obligations that don’t line up. A caveat loan taken to cover a gap, a second mortgage behind the bank, an ATO balance still accruing, a supplier or two pushed past terms. Each carries its own rate, its own paperwork and its own deadline — and the short-term facilities are usually the most expensive money on the books. Carried tax debt is worth a closer look: the ATO’s interest charge compounds daily, and since 1 July 2025 it is no longer deductible, while a payment plan doesn’t stop it accruing. Several deadlines on different dates is also how a manageable position quietly turns into a missed payment.
How consolidation works
Consolidation replaces the scattered facilities with one loan secured against equity in property your company or trust holds. In practice that’s usually a second mortgage sitting behind your existing mortgage, or a caveat where speed matters more than term — either way the senior mortgage stays in place, so there’s no refinance of your first facility. The new loan pays out the facilities you’re consolidating, and you’re left with a single rate, a single statement and a single date to plan around. The real constraint is combined LVR: on suitable security, total borrowing against the property is generally kept to around 75%, subject to assessment.
When this works — and when it doesn’t
Consolidation suits a viable business with real equity and a clear way out — a refinance into a longer-term facility, an asset sale, or income that will clear the loan inside the term. Used that way, it cuts the rate, the admin and the risk of a missed deadline. It is not a fix for an ongoing shortfall. Rolling a structural cash-flow problem into one larger facility against your property doesn’t solve it — it defers it, and puts the property behind it. If the business is heading toward insolvency, borrowing to pay one creditor can deepen the hole and raise insolvent-trading questions. If that’s closer to your situation, the better next call is your accountant or an insolvency practitioner about restructuring — not another facility.
What we’ll need to start
The property offered as security and a rough idea of its value, the balances and rates on the facilities you want to consolidate, and your exit — how the consolidated loan gets repaid or refinanced. That’s enough to come back with indicative terms, usually within 24–48 hours. We don’t need full financials to begin; once an enquiry is progressing, a rates notice, photo ID and a current statement on your existing mortgage cover most of it.
- Companies or trusts with equity in property and a clear exit
- Businesses carrying several short-term or high-rate facilities at once
- Borrowers who want one rate and one repayment date instead of several
- Businesses with an ongoing shortfall rather than a one-off position to tidy up
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without realistic equity or a repayment or refinance exit
How it compares
FAQ
Can I consolidate an ATO debt this way?
Often, yes — a consolidation loan secured against property can pay out an overdue ATO balance alongside other facilities. Whether the interest is deductible depends on your structure and what's being refinanced, so confirm the tax treatment with your accountant.
Do I have to refinance my existing mortgage?
No. The consolidation sits behind your existing mortgage as a second mortgage or a caveat, so your first facility stays in place and isn't disturbed.
How much can I consolidate?
It comes down to the equity in the property. Total borrowing against it, including your existing mortgage, is generally kept to around 75% combined on suitable security, subject to assessment.
How fast can it settle?
Often within days once we have the security details, the balances being consolidated and a clear exit. A caveat can move faster than a registered second mortgage where speed is the deal.
What if the business can't service the new loan?
Then consolidation probably isn't the answer. These facilities suit a viable business with equity and an exit — if the real issue is an ongoing shortfall, speak to your accountant or an insolvency practitioner first.
Consolidate against your property.
The amount, the asset and the timeframe. We’ll review and come back to you fast.
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