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.



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


  • We have been clients ofJanine and her team for around 15 years. We have always found them to be efficient, reliable and professional. We have saved money and time and... read more

    Garth and Jodie Tuckey Avatar
    Garth and Jodie Tuckey
    3 months ago

    Would highly recommend Jill and the team at In Financial Services

    Sarah Nesbitt Avatar
    Sarah Nesbitt
    5 months ago
  • Jill and the team at In financial are amazing at their job. Very professional, easy to communicate with and Jill went above and beyond to make it easier for me... read more

    Cal Single Avatar
    Cal Single
    6 months ago

    Janine and the team at In Financial Services were amazing to work with. I wasn’t sure where to begin when looking for a home loan and they helped me every... read more

    James eckford Avatar
    James eckford
    6 months ago
  • Janine and her team were a delight to work with, they made the loan approval process effortless! They were responsive to my needs and guided me throughout the whole process... read more

    Nikki Avatar
    9 months ago

    Jill has been our family Mortgage Broker for many years. In that time Jill has mortgaged us up on many occasions always happy to go that extra mile. Thanks Jill,... read more

    JP Printer Avatar
    JP Printer
    9 months ago
  • Jill went above and beyond in helping us secure our mortgage. As first home buyers she was extremely helpful and understanding. Couldn't recommend her enough

    Natalie Morrison Avatar
    Natalie Morrison
    10 months ago

    Janine has always been quick at responding to any questions we have had. Has been a great support.

    Dominique Fry Avatar
    Dominique Fry
    11 months ago
  • Jill, Christy, and the team did an amazing job in helping us refinance our loan to access a far lower interest rate, saving us over $5000 a year with the... read more

    Sally Crane Avatar
    Sally Crane
    11 months ago

    If you’re looking at the market for a first home or construction I couldn’t recommend more highly the services provided by Janine and the team at iNFINANCIAL Services. From day... read more

    Car Nut Avatar
    Car Nut
    11 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
    1 year ago

    Thank you Janine & In Financial Services team for all their help & effort securing our 3rd home loan. Always professional, friendly & knowledgeable, nothing is ever a problem. 11... read more

    Melinda Sams Avatar
    Melinda Sams
    1 year ago

    Alex Knight Avatar
    Alex Knight
    1 year ago

    I highly recommend In financial services. Janine and Kylie went above and beyond in every way. Always so helpful and polite in the 12 months it took for my refinancing.... read more

    Jason Bisset Avatar
    Jason Bisset
    1 year ago
  • 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
    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
    1 year ago

    Ava Knight Avatar
    Ava Knight
    1 year ago

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

    Sarah Knight Avatar
    Sarah Knight
    1 year ago
  • AMAZING can’t thank them enough Jill and Christie were amazing Highly Recommended

    Sarah Knight Avatar
    Sarah Knight
    1 year ago

    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
    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
    1 year 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
    1 year 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
    1 year ago

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

    Amber Adams Avatar
    Amber Adams
    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

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

    Dan Walsh Avatar
    Dan Walsh
    1 year 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
    1 year 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
    1 year ago

    Jill and the team at Infinancial Services have made our dreams a reality. Friendly and informative, nothing was ever an issue. Your dream could be a call away... So just... read more

    J Croker Avatar
    J Croker
    1 year ago
  • Kylie and Janine were great to deal with during our build. Building on Acreage was too difficult for our bank to help us. Thankfully a friend recommended In Financial services,... read more

    Kye Bush Avatar
    Kye Bush
    1 year 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
    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

    It's been a pleasure to deal with Jill and her team. Financial knowledge, attention to detail and communication are faultless. I've recommended Jill to family members who... read more

    Mal Jakes Avatar
    Mal Jakes
    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

    Janine and Kylie have yet again been fabulous with helping us. They are organised, efficient and keep us up to date every step of the way. Thank you!

    Kerrie McEwan Avatar
    Kerrie McEwan
    1 year ago
  • The guys were very helpful and informative. Thanks Janine and Kylie

    Matthew Edwards Avatar
    Matthew Edwards
    1 year ago

    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
    1 year ago
  • 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 Carroll Avatar
    Elizabeth Carroll
    2 years ago

    Very efficient in managing the loan application process from submission through to settlement. All of the team are Great communicators, which is essential through this critical and important process for... read more

    Paul Ford Avatar
    Paul Ford
    2 years ago
  • 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
    2 years ago

    Always give the best advice and help👍🏼

    Carrianne Wilton-Howarth Avatar
    Carrianne Wilton-Howarth
    2 years ago
  • I used in Finacial services (Jill & Kylie) to service my home loan & a couple of extra top up re mortgage loans. I can’t recommend these... read more

    Ryan Pittman Avatar
    Ryan Pittman
    2 years ago

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

    Donna Anderson Avatar
    Donna Anderson
    2 years 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
    2 years ago

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

    Jess Cassidy Avatar
    Jess Cassidy
    2 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
    2 years ago

    Excellent service. Would highly recommend.

    Kathryn Creamer Avatar
    Kathryn Creamer
    2 years 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
    2 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
    2 years 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
    2 years 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
    2 years 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
    2 years 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
    3 years 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
    3 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
    3 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
    3 years ago

    In Financial Services, a local one stop shop with prompt, professional and friendly advice. Janine and Kylie master the art, of personalising your specific needs, and no request is to... read more

    Toni Davies-Roe Avatar
    Toni Davies-Roe
    3 years 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
    4 years ago

    For a Financial services page, and your current fan base you have excellent post engagement. Well done guys.

    Boris Biskupic Avatar
    Boris Biskupic
    6 years ago

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