Personal financing
Salary Advance
A short-term income gap deserves a short-term plan. Discuss an immediate requirement against your next confirmed salary and essential household commitments.
View this optionDebt Consolidation
One clearer plan. A complete cost review.
Bring several borrowing commitments into a single review. Compare the proposed repayment with the full cost of settling and replacing your existing arrangements.
Discuss this facility
Your financial priorities
Compare the whole arrangement
A lower monthly payment can result from a longer term. Review the remaining balance, settlement charges, new fees and total repayment before deciding whether consolidation improves your position.
| Consideration | Build the picture | What to review |
|---|---|---|
| Monthly payments | Add all current instalments. | Compare the proposed single instalment. |
| Outstanding term | Record each remaining repayment period. | Check how long the replacement facility runs. |
| Total cost | Include interest and settlement charges. | Include all interest, fees and any new costs. |
| Commitments | List balances and security arrangements. | Confirm which obligations are settled and which remain. |
A question to bring to the conversation
Will consolidation reduce the total amount I repay?
It may reduce monthly outgoings while increasing the total cost. A comparison should show both the instalment and the lifetime cost on the same basis.
Availability, eligibility, security, charges and repayment terms depend on individual assessment and formal agreement. This page is an introduction to the facility, not an offer or approval.
Consider the alternatives
Explore a related financing need.
The right structure depends on the purpose and repayment source. Review a related option before deciding what to discuss.
Personal attention. Professional assessment.
Discuss Debt Consolidation.
Explain your requirement. We’ll begin with the purpose and the information needed to assess it.