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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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Owen

2 years ago

Hello David, It looks like the Financial brokers have provided great responses to your question. To enable someone to help you further please pass on your details to Hashching and one of the brokers will be assigned to help you. This is a free service to you from the brokers network. We are here to help you in your financial journey. Enjoy your weekend. Kind Regards, Owen

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Rose

2 years ago

Hi David, thanks for reaching out I would concur with all brokers above. It really comes down to whether you have enough equity and income to support the consolidation of your debts. I'm based in Perth, but with technology can still help you no matter where you are. Good luck with your choice. Rose

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Ken

2 years ago

Hi David, To answer your question if it's an option to consolidate all you loans, it generally is. There are certain parameters assumed like you are up to date with all your credit commitments and your income can comfortably cover your new debt repayment as assessed by the new lender. More details around the caveat and other debts will give a better indication of your personal options. Cheers, Ken

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Junyan (Oscar)

2 years ago

Dear David, You could do a refinance to consolidate them, you would need to provide detail explanation about the caveat. What's the situation about the loans and the LVR? Regards, Jun Finance Broker Genie Capital

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Daniel

2 years ago

Hi David. We could look at refinancing the 2 current lenders and consolidate the debts. We would need to fully assess your situation to find the best options for you. Thanks, Dan Gaunt, Sydney Finance Services

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Kenneth

2 years ago

David, Good morning and thank you for your question. Having a Caveat lodged on your property is not going to be a concern for re-financing. It simply means that the Caveat Loan will need to be consolidated into your refinancing, which you fully intend to do. Your eligibility will come down to the following key points. * Your ability to meet the servicing test for the new loan * Having adequate equity in the property to proceed * Have a good credit rating and be able to demonstrate that all debts being refinance are up to date. I am based in Sydney and would be happy to discuss further should you wish to select my profile from the Hashching Platform. Best Regards Kenneth Olds

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