Debt Consolidations

In a world where a new credit card is offered to us every other day and bargains are not always as good as what they are sometimes advertised, it is easy to find yourself in more personal debt than you had ever anticipated. Where possible, our staff will help you lower the rate on your loans by consolidating and also explaining the benefits of different repayment terms. This will give you breathing space if your budget is tight and an opportunity to  create some equity in your home if you can afford to continue making the same repayments that you have previously been making.

Videos

Calculators

Budget Planner
Saving Calculator
Loan Comparison Calculator
Comparison Rate Calculator
Extra Repayment Calculator
How Long To Repay Calculator

Testimonials

  • Claire Bear McArthur Avatar
    Claire Bear McArthur
    6 years ago

    positive review Always give the best advice and help👍🏼

    Carrianne Wilton-Howarth Avatar
    Carrianne Wilton-Howarth
    1 year ago
  • Kellie Carter Avatar
    Kellie Carter
    1 year ago

    positive review Smooth and easy to deal with. Made refinancing our home loan less stressful

    Donna Anderson Avatar
    Donna Anderson
    1 year ago
  • I can’t speak highly enough of the service we received from Jill . She is a very professional and caring person to your needs. Jill made our home Loan experience... read more

    Nat Dunn Avatar
    Nat Dunn
    8 months ago

    positive review Our build is nearly complete!!Cannot thank Jill and the team enough for the great guidance advice and making our process seamless!! Give them a go 😎

    Daniel Crush Avatar
    Daniel Crush
    8 months ago
  • The guys from In Financial made the process of buying our dream home possible! We can't thank them enough. From the moment we found the house to the moment we... read more

    Rebecca Tailored Wealth Avatar
    Rebecca Tailored Wealth
    9 months ago

    Kylie, Janine and the team at In Financial services were great through the entire process of buying my first investment property. I will be back in touch for future ventures.

    Matt Smith Avatar
    Matt Smith
    1 year ago
  • Janine and Kylie are awesome! I have used initially Janine and then both of them for about 15 years now and they have been so helpful in many lending processes... read more

    Chris Lange Avatar
    Chris Lange
    1 year ago

    Sharon Flett Avatar
    Sharon Flett
    4 months ago
  • Thanks for helping me with my first home loan. You have made the process very easy. I will definitely be back.

    enjibenji123 Avatar
    enjibenji123
    9 months ago

    Lili Kellner Avatar
    Lili Kellner
    3 years ago
  • I have dealt with In Financial services now for a number of years. They have provided me with finance for a number of investment properties as well as recently a... read more

    Michael Brown Avatar
    Michael Brown
    1 year ago

    Best place for finance! I was referred to Club Financial Services Maitland from a friend for a home loan because the bank could not approve my loan. The girls at... read more

    luke Ahearn Avatar
    luke Ahearn
    3 years ago
  • I have been lucky enough to work with Janine, Jill, Kylie and their team recently organising an amazing experience for their clients at the Lux Lounge. If you are looking... read more

    Amy Harris Avatar
    Amy Harris
    9 months ago

    The team made the whole experience so much easier. Highly recommend to anyone looking at buying property

    Jess Cassidy Avatar
    Jess Cassidy
    1 year ago
  • Adam Barton Avatar
    Adam Barton
    5 years ago

    Thanks so much to the team at In Financial Services, I can't recommend them enough, Janine and Kylie were amazing and so helpful we couldn't be happier with there service,... read more

    mellissa smith Avatar
    mellissa smith
    8 months ago
  • I would give more stars if I could. Jill did an excellent job with a complicated application for home loan. She is very knowledgeable, and went the extra mile. Would... read more

    Coco o'brien Avatar
    Coco o'brien
    3 days ago

    Thanks so much to the team at In Financial Services, I can't recommend them enough, Janine and Kylie were amazing and so helpful we couldn't be happier with there service,... read more

    mellissa smith Avatar
    mellissa smith
    8 months ago
  • Rebeca Merrett Avatar
    Rebeca Merrett
    6 years ago

    In Financial Services helped Natalie & Myself buy our dream holiday house , their service was second to none !!!Janine & her Team were so helpful , swift with their... read more

    Huddos Plumbing Service Avatar
    Huddos Plumbing Service
    1 year ago
  • positive review The guys were very helpful and informative. Thanks Janine and Kylie

    Matthew Edwards Avatar
    Matthew Edwards
    7 months ago

    The team made the whole experience so much easier. Highly recommend to anyone looking at buying property

    Jessica Cassidy Avatar
    Jessica Cassidy
    1 year ago
  • positive review For urgent financial aid for personal purpose or for the need of your business? Please Contact Mrs.Amanda, She give out loans with an affordable interest rate of 3% She provide... read more

    Paul Doran Avatar
    Paul Doran
    10 months ago

    positive review AMAZING can’t thank them enough
    Jill and Christie were amazing
    Highly Recommended

    Sarah Knight Avatar
    Sarah Knight
    4 months ago
  • Angela Woodhouse Avatar
    Angela Woodhouse
    2 years ago

    Maree Knight Avatar
    Maree Knight
    6 years ago
  • I have used In Financial Services for both business and personal services. I purchased a new office vehicle and asked the dealership for a finance quote and In Financial Services... read more

    Patrick Mears Avatar
    Patrick Mears
    2 years ago

    One of the best things my financial planner ever did for me was to recommend Janine Harris of In Financial Services. I had been advised to purchase an investment property... read more

    The Grange Vet Clinic Avatar
    The Grange Vet Clinic
    2 years ago
  • positive review Prompt, helpful, knowledgable and informative! Jill and the team were great. We appreciated all of their efforts, they went above and beyond to ensure we were happy with everything and... read more

    Rhys Proph Wallis Avatar
    Rhys Proph Wallis
    10 months ago

    Jill and team were helpful and friendly to deal with. Highly recommend for mortgage advice

    Amber Adams Avatar
    Amber Adams
    9 months ago
  • Chelsea Holz Avatar
    Chelsea Holz
    3 years ago

    Thanks so much to the team at In Financial Services, I can't recommend them enough, Janine and Kylie were amazing and so helpful we couldn't be happier with there service,... read more

    mellissa smith Avatar
    mellissa smith
    8 months ago
  • I recently purchased a new office vehicle. I asked the dealership for a finance quote and In Financial Services came in over $60.00 cheaper per month which worked out to... read more

    Pat Mears Avatar
    Pat Mears
    3 years ago

    positive review We have been using the in financial team to help secure our first acreage block. We are that happy with the professionalism In Financial Services brings to the table that... read more

    Elizabeth Stokes Avatar
    Elizabeth Stokes
    11 months ago
  • Great people to deal with , we have used these guys a few times now and highly recommend their services. Always great with communication & updating of progress.

    Andrew Irving Avatar
    Andrew Irving
    1 year ago

    Jill and the team have made the whole stressful process of buying property less painful and have held our hand the whole way. Highly recommend their services.

    Kanina Roberts Avatar
    Kanina Roberts
    1 year ago
  • An extremely thorough service. I'll never use a direct lender again. Thank you.

    Dan Walsh Avatar
    Dan Walsh
    9 months ago

    Tabatha Parkinson Avatar
    Tabatha Parkinson
    2 years ago
  • positive review Janine & Kylie at In Financial Services are amazing and I highly recommend them. They were thorough in explaining everything from start to finish and making sure we understood. They... read more

    Brandon Michaelis Avatar
    Brandon Michaelis
    3 months ago

    We are so impressed with the service that we have received from Jill and the team. We had an initial consultation with Jill who became familiar with our financial position... read more

    Angie Primmer Avatar
    Angie Primmer
    11 months ago
  • As a first home buyer, I can’t thank Janine and Kylie enough for how much they have done for me. From initially obtaining pre-approval to purchasing has felt like a... read more

    andrew lange Avatar
    andrew lange
    1 year ago

    Thanks to Jill, she was fantastic, there for us every step of the way to help out with out loan and advice on what not to do (We had no... read more

    Tayla Grazules Avatar
    Tayla Grazules
    1 year ago
  • AMAZING CANT THANK THEM ENOUGH JILL and the team amazing

    Ava Knight Avatar
    Ava Knight
    4 months ago

    Straight forward and seamless process which made the application very quick and stress free. Everything explained clearly and easy to understand.

    Brad Driscoll Avatar
    Brad Driscoll
    8 months ago
  • positive review We used Jill from IN Financial services and could not be happier.
    We are newbies to this whole 'investment' thing and Jill made this entire process a pleasure whilst getting us...
    read more

    Darvid Bjorn Johanson Avatar
    Darvid Bjorn Johanson
    1 year ago

    Sunitha K S Avatar
    Sunitha K S
    9 months ago
  • positive review We highly recommend Janine , Kylie and the team from In Financial services . This is our second experience with Janine and it has been made so easy by... read more

    Sam Belcher Avatar
    Sam Belcher
    5 months ago

    L Gale Avatar
    L Gale
    9 months ago
  • Caroline Dando Avatar
    Caroline Dando
    1 year ago

    Janine & Kylie were extremely professional & very helpfull. They were only too happy to help in any way they could by explaining everything in simple easy to understand... read more

    Lorraine Harris Avatar
    Lorraine Harris
    4 months ago
  • Thanks for helping me with my first home loan. You have made the process very easy. I will definitely be back.

    Ben Harris Avatar
    Ben Harris
    9 months ago

    We highly recommend In Financial Services. They were helpful, fast acting and very friendly. We are happy with every experience we had with the In team and have already recommended... read more

    Debbie Riddett Avatar
    Debbie Riddett
    1 year ago
  • Jill and the team at In Financial offered more advice and simplified the process of getting commercial finance so much better than anyone we have ever dealt with. Nothing is... read more

    Jackson Plant And Transport Repairs Avatar
    Jackson Plant And Transport Repairs
    1 year ago

    Nick Egan Avatar
    Nick Egan
    6 years ago
  • The guys from In Financial made the process of buying our dream home possible! We can't thank them enough. From the moment we found the house to the moment we... read more

    Rebecca Zambrowski Avatar
    Rebecca Zambrowski
    9 months ago

    Couldn't recommend the team at in Financial Services more! They made the process of buying our first home so much easier and stress free!

    Declan Edwards Avatar
    Declan Edwards
    1 year ago
  • Wow! What a team! Janine Jill and Kylie make everything flow smoothly, The service that you receive makes the whole process stress free. They keep you informed throughout ... read more