Messy debt became a clearer lending structure.

Different debts had become difficult to follow.

Home, investment and personal purposes were not clearly organised. The application also required a considered explanation of older credit issues and the available evidence for recent bonus income.

Make every purpose visible.

• Mapped each existing balance and its original purpose
• Refinanced into clearer, purpose-aligned lending splits
• Consolidated approximately $65,000 into a sharper product
• Presented the bonus history and older credit matters transparently
• Kept tax-sensitive purposes separate for discussion with the client’s adviser

Consolidation can reduce monthly repayments but extending debt over a longer term may increase total interest. Tax deductibility depends on the use of funds, not the loan label; seek independent tax advice.

More control, cleaner allocations, lower repayments.

The new structure made the different loan purposes easier to identify and reduced monthly repayment pressure. The outcome was specific to the verified position and lender assessment.

Review before you consolidate.