Audit + prioritise
We rank every facility by rate, balance, and risk. High-rate cards, BNPL, and payday loans go first.
- Spreadsheet of debts before/after consolidation
- Interest saved vs current status quo
- Guidance on accounts to close immediately
Cash-flow clean up
Debt Consolidation Sydney
Roll multiple repayments into one structured facility. We position your application as a risk downgrade so lenders reward you with sharper rates and one predictable repayment.
- Combine credit cards, BNPL, personal and car loans, or tax debt.
- Show lenders a surplus cash-flow story that proves affordability.
- Plan the next step—refinance, equity release, or unsecured facility.
How we engineer the plan
We do more than bundle debts. NewGen maps the lender narrative so your file reads like an upgrade, not a bailout.
Structure
Choose between unsecured personal loans, refinances, equity releases, or business facilities depending on your asset position.
- Equity vs unsecured modelling
- Cash-out documentation for mortgages
- Fallback plan if valuations shift
Behaviour change
We pair the consolidation with automation so you do not drift back into multiple debts.
- Bank account structure + automation tips
- Expense-tracking templates
- Check-ins post-settlement
Consolidation timeline
Expect a 7–12 day window from enquiry to settlement, depending on valuation access and lender choice.
Day 0-2
Document upload + debt audit. We confirm target repayment and structure.
Day 3-5
Applications lodged + valuation ordered (if mortgage-backed).
Day 6-8
Conditional approval + outstanding doc collection.
Day 9-12
Settlement + payout of existing facilities. We verify accounts close correctly.
Planning to refinance later? Pair this strategy with our car loan or personal loan programs so future submissions fly through.
Proof that wins over credit teams
We show the before/after budget so the new repayment is obviously safer for the lender.
Statements are annotated to explain any late payments or temporary hardship.
Equity and asset values are documented with RP Data, bank valuations, or accountant letters.
We explain how you will keep accounts closed and what milestones trigger a refinance or rate review.
For more DIY tactics, read SME Working Capital Blueprint or Offset Account Playbook. Then come back and let us execute the heavy lifting.
Talk with Joshua
Email your debt list or a spreadsheet to info@newgenfinancebrokers.com and we will prepare the consolidation storyboard. Prefer a call? Phone 0451 414 800.
Need broader advice? Visit the About page to see how the team operates or jump directly to the contact form.
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