Take Control of Your Finances
with Debt Consolidation
Combine your debts into one simple, lower-rate repayment and free up cash flow. AML Home Loans helps Kiwis streamline their finances — so you can stop juggling and start saving.
Average Saving
$3,600+ per year
Why Debt Consolidation Could Be
the Smart Move
Juggling multiple high-interest payments? Consolidating into a single home loan structure can simplify your finances and save you thousands.
Lower Interest Rate
Credit cards and personal loans often carry rates of 12–20%+. By consolidating into your mortgage at a much lower rate, you could save hundreds each month.
One Simple Payment
Replace multiple due dates, interest rates, and minimum payments with a single manageable home loan repayment. No more juggling bills each month.
Improved Cash Flow
Lower monthly repayments mean more money in your pocket each week. Use the breathing room to build savings, invest, or handle life's unexpected costs.
Faster Debt Freedom
With a lower rate and simpler structure, more of your payment goes toward reducing principal. You could be debt-free years sooner than sticking with high-interest debt.
How AML Makes Debt
Consolidation Simple
We do the heavy lifting so you can focus on what matters — getting your finances back on track.
We Find the Best Rate
We compare multiple banks and lenders to find the most competitive rate that fits your specific debt profile and financial situation.
We Handle the Paperwork
From gathering statements to lodging applications, we manage every document. No chasing forms, no back-and-forth with the bank — we do it for you.
We Negotiate for You
Our advisers negotiate directly with lenders on your behalf, pushing for lower rates, cash contributions, and flexible repayment terms you wouldn't get on your own.
One Dedicated Adviser
You get a single point of contact who understands your full financial picture — from your initial assessment right through to settlement and beyond.
No Hidden Fees
Our service is free in most cases — we are paid by the lender. If your situation requires a fee, we tell you upfront so there are never any surprises.
Fast Turnaround
With complete documentation, we can often secure pre-approval within days. We keep the process moving so you can start saving sooner.
How Debt Consolidation Works –
3 Simple Steps
Getting started is quick and straightforward. Here is how we help you consolidate your debt.
Free Assessment
Tell us about your debts, income, and goals. We review your situation and show you exactly how much you could save — no obligation.
We Find the Best Solution
We compare lenders, structure your consolidation, and secure pre-approval at the lowest available rate. We handle all the paperwork.
Debts Paid, One Payment Left
Your high-interest debts are settled. You are left with one simple, lower-rate repayment — and a clear path to being debt-free.
Common Questions About
Debt Consolidation
Everything you need to know before consolidating your debts with AML Home Loans.
What debts can I consolidate?
Most unsecured debts can be consolidated — including credit cards, personal loans, hire purchase agreements, store cards, buy now pay later balances, and some tax debts. In some cases, we can also restructure higher-rate portions of your existing mortgage alongside these debts to create a single, manageable repayment.
Do I need good credit to qualify?
Not necessarily. While a strong credit history helps secure the best rates, we work with multiple lenders — including non-bank lenders — who assess applications more holistically. Even with past credit issues, missed payments, or a history of debt, we can often find a solution that consolidates your debts and lowers your overall repayments.
Will this affect my mortgage?
Debt consolidation is often structured by increasing your existing home loan or refinancing to a new lender — effectively rolling higher-interest debt into your mortgage at a much lower rate. This can lower your monthly payments, but it also means the consolidated debt is secured against your property. We always explain the implications clearly before proceeding.
How long does the process take?
From your initial consultation to settlement, the process typically takes 1–2 weeks. If you already have all your documents ready (bank statements, loan statements, income verification), pre-approval can be issued within a few days. We handle the legwork to keep things moving quickly.
Is there a fee?
In most cases, our service is completely free to you — we are paid by the lender after your loan settles. If your situation requires a more complex structure and a fee applies, we will disclose it upfront with no surprises. There are no hidden charges.
Will consolidating debt lower my credit score?
In the short term, applying for a new loan may cause a small temporary dip in your credit score due to the credit enquiry. However, consolidating your debts and making consistent on-time payments under a single lower-rate loan will typically improve your credit score over time by reducing your overall credit utilisation and simplifying your repayment history.
Can I consolidate debt if I'm self-employed?
Yes. Self-employed borrowers may need to provide additional documentation such as financial statements or tax returns, but many lenders we work with are experienced in assessing self-employed applications. We help you prepare the right paperwork to strengthen your application.
What if I miss a payment on my consolidated loan?
Missing payments can have serious consequences, including default and potential loss of your home if the debt is secured against it. We always ensure your new repayment structure is genuinely affordable before proceeding, and we recommend setting up automatic payments to avoid missed due dates.
Ready to Simplify Your Finances?
Book a free, no-obligation consultation. We'll review your debts, calculate your potential savings, and map out your consolidation plan.