If you’re already in debt you might find it harder to get a home loan approved, or you may not be able to borrow quite as much. We assist in not only consolidating your current, but also assist in reducing the debt to assist your ability to purchase a home. By consolidating your debt, you will be able to save more to assist you to have a deposit ready. The bigger your deposit the more you can borrow. And you can apply for loans with lower interest rates. While it’s possible to take out a loan with a 5 or 10% deposit, you will have to pay lenders mortgage insurance if you have less than a 20% deposit.