Debt consolidation specialists
Changing lives, starting with yours.
When repayments start running your life, we step in with a reset plan that lowers pressure fast and gives you back control.
Debt Consolidation, Done Properly.
The Reset Plan
One plan. One payment. Space to breathe.
You do not need another band-aid solution. You need a reset that actually holds. Explore our debt consolidation guides to see what is possible for your situation.
"You leave knowing exactly what to do next."
See What's Possible
Start with the call
We unpack what has happened, what needs fixing, and the smartest next move to get you back in control.
Build the plan
We get the structure and strategy right from the start, so the reset not only lowers pressure now, but keeps working over time.
Get the reset
We get it done properly, then stay involved so the plan keeps improving long after settlement.
Why Loop
The right outcome starts with the right structure and plan.
The right debt consolidation plan not only frees up cash flow now, but leaves you better off over time.
Immediate Win
Cash flow relief from day one
We quickly take the pressure off and give you more breathing room each month. Most clients see a significant drop in monthly repayments within weeks of settlement.
$2,000+ average monthly savingSpecialist View
Straight answers
Because we do this every day, we can quickly tell you what needs fixing and what the smartest next move looks like.
Real-Life Files
Built for real life
Bad credit, hardship, arrears, ATO debt, self-employed complexity, or clients who just need a better setup are all part of the work we do every week.
Long-Term Partner
Beyond settlement
We stay involved with regular reviews so the plan keeps improving as your situation improves.
About Loop
Advisory built for real financial pressure.
Loop exists for Australians whose finances have become complex, urgent, and emotionally heavy. We work across bad credit, ATO debt, arrears, hardship, and multiple repayments without judgement and without confusion.
Our specialist team works directly with every client from first call to settlement. As dedicated debt consolidation brokers, we design practical lending pathways that reduce pressure now and protect your next move.
We do this every day. You do not have to figure it out alone.
Proof the right structure works.
Illustrative scenarios based on recent client success stories. Your outcome depends on your specific situation.
Names changed for privacy. Scenarios are illustrative based on real client outcomes.
What Clients Say
You will feel the difference fast.
Real words from Australian homeowners who reset with Loop.
★★★★★
From the minute Caleb answered my query online, he was reassuring and no fuss. Didn't make me feel stupid or useless with all my obstacles. Amazing outcome.
FAQs
Quick answers so you can move.
The most common questions we hear from homeowners considering a debt reset.
Still have questions?Will I actually save money?
Most clients see a significant drop in monthly repayments, often $2,000 or more per month. Home loan rates are significantly lower than credit card and personal loan rates, which is why refinancing to pay off credit cards can free up so much cash flow. Your outcome depends on your specific debts, property value, and equity position, which is why we map the numbers before anything else.
Do I need equity in my home?
In most cases, yes. Lenders typically require enough equity in your home so that the total loan stays within their acceptable range after adding your debts to the mortgage. If equity is tight, options may still exist through Lenders Mortgage Insurance or specialist lenders. We run your numbers quickly and tell you what is realistic.
Will this hurt my credit score?
A refinance application involves a credit enquiry which may cause a small, temporary dip. However, we plan the pathway first and then execute, which avoids random submissions that damage your file. Once consolidated, consistent repayments on a single loan typically improve your credit score over time. Learn how debt consolidation affects your credit score.
Can I do this with bad credit or if I am behind?
Yes. Bad credit, arrears, hardship arrangements, and ATO debt are exactly the scenarios we handle regularly. We use specialist and non-conforming lender pathways that mainstream brokers often don't access. Read our guide on debt consolidation with bad credit for a full breakdown of your options, or see how we handle ATO debt consolidation specifically.
Are you just stretching debt over 30 years?
No. We structure immediate relief to lower your monthly pressure, then run regular reviews to refinance at better rates, reduce your loan term, and improve your overall position as equity and credit recover. The goal is a structured pathway out, not just moving debt around. See how this compares to other options in our debt consolidation vs personal loan guide.
What happens on the first call?
We map your current financial position – debts, income, property value – tell you what is likely possible, and outline the smartest next step. No obligation and no judgement. Most calls take 15–20 minutes.
How long does it take?
Most settlements complete within 2–4 weeks once all documents are submitted. Complex scenarios involving bad credit or specialist lenders can take longer, but we keep you updated at every stage.
What documents do I need?
You will typically need photo ID, income evidence (payslips or tax returns for self-employed), current home loan statements, and statements for all debts you want to consolidate - credit cards, personal loans, car loans, ATO. We provide a simple checklist after the first call. If you have been declined by your bank, bring that correspondence too.
Can I still do this if I am self-employed?
Yes. We regularly structure debt consolidation for self-employed clients using low-doc and alt-doc lending options. Self-employed complexity is one of our core specialisations. Our self-employed debt consolidation guide covers how the process works for business owners.
Next Steps
Beyond Debt Consolidation
Debt consolidation is where many clients start, not where the journey ends. Once pressure is reduced and the structure is sound, we help you build forward with intent.
Portfolio and loan restructuring
Reshape existing debt across properties and facilities so your setup supports growth, not friction.
SMSF lending strategy
Structured guidance for clients using super to invest, with risk and cashflow front of mind.
Debt recycling and cashflow optimisation
Move from repayment pressure to deliberate cashflow systems that compound over time.
Long-term property and lending strategy
Stage your next lending moves around life goals, not lender convenience.
The real win is not just less pressure now. It is what becomes possible once the foundation is right.
Homeowner with debt pressure?
Let's map your next move.
Tell us your situation and we'll map the strongest path forward.
No pressure. No judgement. Just a plan.
Start here
You don't have to keep carrying this alone.
Leave your details and a little context. We'll call you back to talk through what's possible – no pressure, no judgement, just a plan.
We get back to you fast, usually within hours.
We map a plan first. You decide if it makes sense.
Five-star service, always.
Get your strategy call
You'll hear from Caleb or Evelyn directly. No call centres.