Jenny
$4,856less in repayments each month
Before23 repayments
After1 repayment
Consolidated 15 credit cards, three car loans and two personal loans.
✓ Approved with a credit score of 171Debt consolidation for homeowners
Five debts. Five due dates. Let's make it one.
If you own property, the equity in your home may be able to clear your credit cards, car loan, personal loans and BNPL, leaving one repayment and one plan to get on top of it.
- Lower monthly repayments: free up cash flow every month
- Bank said no? We compare major banks through to specialist lenders
- Self-employed, ATO debt, past credit issues are all things we deal with
5.0Google review rating
48 lendersBig four banks to specialist lenders
2 hrsCallback after you submit
7 daysIncluding evenings and weekends
48 lenders on our panel, from the big four to specialist lenders
- Commonwealth Bank
- Westpac
- NAB
- ANZ
- Pepper Money
- RedZed
- Bluestone
- Thinktank
- Athena
- Brighten
- Advantedge
- Bendigo Bank
- Bridgit
- Household Capital
- Skip
- Macquarie Bank
- ING
- St.George
- Bankwest
- Suncorp Bank
- Bank of Melbourne
- BankSA
- ME Bank
- ubank
- AMP Bank
- La Trobe Financial
- Resimac
- bluebay home loans
- Firstmac
- Better Choice
- Granite
- Newcastle Permanent
- IMB Bank
- MyState Bank
- P&N Bank
- People First Bank
- Auswide Bank
- Australian Military Bank
- Bank of China
- Better Mortgage Management
- Firefighters Mutual Bank
- Gateway Bank
- Health Professionals Bank
- HomeStart
- Keystart
- Own Home
- Teachers Mutual Bank
- UniBank
Real results
What one repayment did for these clients
Different situations, same outcome: fewer repayments, more money left each month, and a plan to get debt-free.
Mark
$1,400less in repayments each month
Before6 repayments
After1 repayment
Consolidated a car lease, a caravan loan, a car loan and two credit cards.
✓ Less reliance on overtime, and no lenders mortgage insurance (LMI)Kyle
$1,130less in repayments each month
Before5 repayments
After1 repayment
Consolidated two credit cards, a car loan and Zip.
✓ On track to move to a mainstream lender within 6 monthsOur 2-stage plan
Getting you back on top is only step one
Stage 1 · Now
Consolidate and cut your repayments
We roll your debts into one loan with the lender that suits your situation today. Sometimes that's a specialist lender, if your credit has taken a hit or the banks have said no.
Stage 2 · Usually 6–12 months later
Move to a mainstream lender
Once you've built a record of on-time repayments, we look at refinancing you to a mainstream lender. That can mean a lower rate and even lower repayments.
Names have been changed to protect client privacy. Figures show the reduction in monthly repayments for individual clients. Outcomes depend on your financial situation, loan terms and lender criteria. A lower monthly repayment may mean more interest is paid over the life of the loan if debts are repaid over a longer term. Stage 2 depends on your repayment history, financial position and lender criteria at the time, and is not guaranteed.
Check if I qualify →No obligation. Tom calls you within 2 hours.
Is this you?
Paying every month, and the balances barely move
High-interest debt on separate due dates eats your cash flow. If you own property, restructuring it into one loan at a home loan rate can change that fast.
Credit cardsPersonal loansCar financeAfterpay & BNPLATO debtStore cardsSelf-employedBank said noPast credit issuesMissed payments
Check if I qualify →Takes 30 seconds
How it works
Three steps to one repayment
Answer 3 questions
Property, work situation and your contact details. That's it.
30 seconds
Tom calls you
A quick, no-obligation chat about your debts and your property to see what's possible. If it makes sense, we book a proper appointment.
Within 2 hours
We do the work
Tom finds the right lender, handles the paperwork and pays out your debts at settlement.
Usually a few weeks
Check if I qualify →Step 1 takes 30 seconds
Your broker
"Most people I speak to thought they'd run out of options. Their bank had said no, or they didn't realise their home could be part of the answer. More often than not, there's a way to get them back on top."Tom Carmody, Founder, Craft Financial
"Tom made the whole process of buying our home so much easier and far less stressful than we expected. He was patient, honest, and always quick to respond whenever we had questions, no matter how small. His knowledge and guidance gave us real confidence at every stage, and we always felt like he genuinely had our best interests at heart."
"We refinanced with Craft after moving from our previous broker. Tom and Dane kept on top of communication at each point, went above and beyond to find us the best rate for our situation and ensured all our options were laid out and clear. They were honestly a lifesaver when we were working against the clock after our previous fixed rate ended. Very impressed."
"He made the refinance process easy, kept me informed throughout, and provided clear, honest advice from day one. Everything settled smoothly, and I couldn't be happier with the service."
"Our experience refinancing with Tom and his team was excellent from start to finish. Tom is genuine, professional, personable, efficient, a great communicator and an expert in his field. Highly recommend for anyone wanting a broker that is relatable and actually cares about helping you."
"He took the time to clearly explain everything, answered all of our questions patiently, and made what could have been a stressful experience feel smooth and manageable. Tom genuinely had our best interests at heart and went above and beyond to find the right solution for our family."
"Amazing experience from start to finish. Tom and his team made the whole process so easy and stress free thanks to their communication and genuine care. If you're wanting a broker that truly knows their stuff and actually cares these guys are for you!"
"Tom was incredibly patient, took the time to explain every step of the process, and was always available to answer our questions. He secured us a very competitive rate and was consistently helpful and supportive throughout, which made what can be a stressful experience feel smooth and manageable."
"Tom is very focused on helping each person individually. Will strive to get you the best deal he can."
"Tom from craft financial was incredible to deal with. He was very professional yet down to earth and nothing was too hard. His “can do” attitude is inspiring and helps you to feel like he will get the job done no matter what and that he did… Thanks for looking after us for third time Tom."
"Tom was incredible helping us find the best mortgage for our purchase. Always available for a phone call and all round great person. Thank you Tom!"
"Tom and his team were incredible in helping me out. Very efficient and couldn't recommend them any more."
Questions
Straight answers
Isn't this just moving debt around?
Not if it's done properly. We structure it so you're paying the debt down, not just stretching it over 30 years, and you'll see the total cost before you decide.
How quickly will I hear from you?
Within 2 hours between 7am and 7pm, 7 days a week. If you get in touch later than that, Tom will call you first thing the next morning.
My bank already said no. Is it worth trying?
Often, yes. One bank can only assess you against its own policy. We work with a wide panel, including specialist lenders that look at the full picture.
Find out in one phone call if we can help.
No obligation and nothing to sign up to. Just a call from Tom within 2 hours to see if he can help.