Debt Consolidation Specialists

This is all we do. Every day.

Most brokers handle debt consolidation occasionally. We built the entire business around it. When you tell us your situation, we already know the pathway, because we have done it before.

Book a call See what we handle
Bad credit Mortgage arrears ATO debt Self-employed Bank declines BNPL & payday loans
Caleb and Evelyn Cook, the brokers behind Loop Loans
Broker-directYou deal with Caleb or Evelyn. No call centres.
5.0 on Google
Same-day responseYou hear from a broker, not a queue.
Strategy before paperworkNothing is lodged until the plan works.
No judgementYou will not tell us anything we have not heard this month.
Reviews after settlementWe keep improving your position.

Why it matters

You wouldn't get heart surgery from a GP.

The GP understands the basics. But when the situation is serious, you want someone who does it every day and has seen your exact scenario before.

Debt consolidation works the same way. The difference between a generalist broker and a specialist is not just knowledge. It is pattern recognition.

When you tell us your situation, we usually already know which lenders will consider your file, what documentation is needed, how to structure the application so the numbers work in your favour, and what the pathway looks like from day one through to long-term position improvement.

A generalist broker

  • Sees a file like yours a few times a year
  • Submits to the lenders they already know
  • Finds the policy problem after the decline
  • Every decline leaves another enquiry on your credit file

A specialist

  • Works files like yours every single day
  • Knows which lenders fit before anything is lodged
  • Structures the application so the numbers work
  • One application, to the right lender, told properly

What we handle

The scenarios we see every day.

These are the files that mainstream brokers often decline. For us, they are the core of what we do.

01

Credit cards & personal loans

Multiple high-interest debts eating into your cash flow. We consolidate them into your home loan at a way lower rate.

Read the guide → 02

Bad credit & defaults

Credit impairments, defaults, late payments. We use specialist lender pathways that mainstream brokers do not access.

Read the guide → 03

ATO debt

Tax debt, payment plans, BAS arrears. We structure consolidation around your ATO position using practical documentation pathways.

Read the guide → 04

Arrears, hardship & repayment pauses

Behind on the home loan, on a hardship arrangement, or told to come back in six months. We refinance you into a stable position.

Read the guide → 05

Self-employed & irregular income

Low-doc, alt-doc, BAS-based and accountant declaration pathways for business owners, contractors and FIFO workers.

Read the guide → 06

Declined by your bank

A bank decline usually means wrong pathway, not no pathway. We find the right one.

Read the guide →

How it works

Strategy first. Then we execute.

Start with the call

We unpack your full financial position (debts, income, property value, credit history) and tell you straight what is possible. No obligation, no judgement. You leave with a clear picture of your options.

15 to 20 minutes

Build the strategy

We map out the structure: which lender, what the new repayment looks like, and how much cash flow you free up. We get the strategy right before touching any paperwork, because submitting to the wrong lender wastes time and burns your credit file.

Numbers before paperwork

Get the reset

We handle the submission, manage the lender, and get it settled. After settlement we stay involved with regular reviews, refinancing to sharper pricing as your equity and credit recover.

Most settle in 3 to 4 weeks

Real results

What specialist structuring actually delivers.

Representative scenarios based on real client outcomes. Every situation is different.

Credit cards + personal loans

$2,390

less every month

$5,480/mo → $3,090/mo

Read the case study →

ATO debt + credit card

$1,820

less every month

$4,760/mo → $2,940/mo

Read the case study →

Bad credit + BNPL + car loan

$3,040

less every month

$6,220/mo → $3,180/mo

Read the case study →

Mortgage arrears + personal debt

$1,710

less every month

$3,980/mo → $2,270/mo

Read the case study →

Figures show the reduction in monthly repayments. Consolidating into a home loan can mean more interest over the life of the loan unless extra repayments are made, which is why the plan comes first.

Why Loop

What makes this different.

They listened to my situation and provided a solution no one else was able to provide.
Harley D., Google review · Read more reviews

Specialist focus

Debt consolidation is the entire business. We handle these files every day, not once a quarter.

No judgement

We work with people in difficult financial positions. No shame, no lectures, just a clear plan forward.

Strategy before paperwork

We map the pathway first and make sure it works before we submit anything. No random applications burning your credit file.

Broker-direct

You deal with Caleb or Evelyn directly. No call centres, no handoffs, no repeating your situation to someone new.

5.0 Google rating

Every review is five stars. Our clients trust us because we deliver.

Ongoing reviews

We do not disappear after settlement. Regular check-ins to refinance at sharper pricing and keep improving your position.

FAQs

Questions about working with a specialist.

Straight answers to what homeowners ask before the first call.

What does a specialist debt consolidation mortgage broker do?

A specialist debt consolidation mortgage broker focuses on restructuring multiple debts (credit cards, personal loans, car finance, ATO debt) into a single, lower home loan repayment. Unlike generalist brokers, a specialist has deep experience with complex scenarios including bad credit, arrears, hardship arrangements, and non-conforming lenders.

Why use a specialist broker instead of my bank or a generalist broker?

Banks and generalist brokers follow standard lending policies. When your file has complexity (credit issues, arrears, ATO debt, multiple BNPL accounts, or self-employed income) those standard pathways often result in a decline. A specialist knows which lenders handle these exact scenarios, what documentation is needed, and how to structure the application. We do this every day, so when you describe your situation, we usually already know the pathway.

Can a debt consolidation broker help if I have been declined by my bank?

Yes. A bank decline usually means wrong lender or wrong structure, not that consolidation is impossible. We access specialist and non-conforming lenders that banks do not use. Many of our clients come to us after a bank decline and settle within 3-4 weeks through alternative pathways.

How much does a debt consolidation mortgage broker cost?

Broker fees vary depending on the complexity of your situation. We are transparent about all costs upfront before you commit to anything. The strategy call carries no obligation. We map your position, show you what is possible, and you decide if the numbers make sense.

Homeowner with debt pressure?
Let's map your next move.

Tell us your situation and we'll tell you straight what is possible.

Book a call Send us your details

No pressure. No judgement. Just a plan.

Go deeper

A guide for every situation.

Written by Caleb, reviewed by Evelyn, built from the files we work on every day.

Book a call