At Indus Mortgages New Zealand, we see several advantages to debt consolidation:

• Lower interest rates: By consolidating high-interest debts into your home loan, you can significantly reduce your overall interest payments.
• Simplified budgeting: Managing one loan payment is easier than juggling multiple debts.
• Potential for faster home loan repayment: The money saved on interest can be redirected to pay down your mortgage more quickly.
• Extended repayment terms: Home loan terms are typically longer, giving you more time to repay consolidated debts.

Yes, there may be some costs to consider:

• Discharge fees: Some lenders charge fees for early repayment of existing debts.
• Valuation fees: A property valuation may be required to determine your borrowing capacity.
• Legal fees: You might need to sign new loan documents with a solicitor.

At Indus Mortgages, we'll help you weigh these costs against the potential savings to ensure debt consolidation is the right move for you.

Our team at Indus Mortgages offers:

• Expert assessment: We'll analyse which debts are most beneficial to consolidate and determine how much you can consolidate.
• Strategic loan structuring: We'll organise your home loan and consolidate debts to optimise repayment, potentially saving you money without increasing your payments.
• Interest rate optimization: We'll work to secure the best possible rates, freeing up funds for other important uses.
• Personalised advice: With our background in accounting and investment, we provide tailored solutions that align with your unique financial situation and goals.

Remember, at Indus Mortgages, we're not just about loans – we're about helping you achieve long-term financial wellbeing. Let's work together to simplify your finances and set you on the path to financial freedom.