Debt consolidation — confidential finance review
Getting paid, but there's little or nothing left after the repayments?
The mortgage gets paid. Then the credit cards, loans and overdue bills.
By the time the priorities are taken care of, there may be little—or nothing—left for groceries, fuel and everyday family expenses.
So those expenses go back onto credit.
And next payday, the cycle starts again.
If your repayments are consuming most of your household income, it may be worth understanding your overall position and what options may be available.
Prefer to talk? You can call Julieann directly on 0411 082 575
No guarantee of approval. Individual circumstances, eligibility and lender requirements apply.
Who you'll be speaking with
Hi, I'm Julieann Brown.
I'm a finance broker with over 20 years' lending experience.
I often speak with people who are earning an income and doing their best to keep everything going, but find that more and more of their pay is disappearing into repayments.
Sometimes they've started relying on credit for everyday expenses. Sometimes they've missed repayments. And sometimes their bank has already said no.
You don't need to know what the answer is before we talk.
My first job isn't to promise you a loan. It's to understand what's happening, where you stand and what options may be appropriate for your circumstances.
Does payday feel more like a reset than a fresh start?
You wait for your weekly, fortnightly or monthly pay to arrive.
Then you start prioritising.
Mortgage. Credit cards. Personal loans. Car finance. Utilities. Overdue bills.
You pay what absolutely can't wait.
And sometimes there's nothing left.
That's when groceries go onto the card you just paid down.
Something the kids need goes on credit.
An unexpected bill gets pushed to the next pay.
You're earning money and making repayments, but it can still feel like you're constantly trying to catch up.
If that's becoming your normal, you don't need to wait until things become worse before understanding where you stand.
Prefer to talk? You can call Julieann directly on 0411 082 575
You can look like you're doing fine and still be under financial pressure
You may have a job. A home. A car. Children at school.
From the outside, everything can look completely normal.
But nobody else sees what happens on payday.
They don't see you moving money between accounts.
Deciding which payment gets made first.
Using available credit for groceries.
Or worrying about what happens if one more unexpected expense arrives.
Financial pressure doesn't always look like financial pressure.
What if you've already missed repayments?
Missing a repayment can make an already stressful situation feel worse.
You may be concerned about your credit history or worried that falling behind means you've left things too late.
Missed repayments or arrears can affect what finance options are available, but your individual circumstances need to be considered before you know where you stand.
The first step isn't assuming you'll be approved.
It's understanding the full picture.
Prefer to talk? You can call Julieann directly on 0411 082 575
What happens next?
Step 1
Tell us what's happening
We start by understanding your income, debts, repayments and what's creating the pressure.
Step 2
We look at the whole picture
Your circumstances are reviewed, including existing debts, property position and any missed repayments or arrears.
Step 3
Understand what options may be available
If potentially suitable finance options exist, they can be explained along with the relevant considerations.
If further credit isn't appropriate, that's important to identify too.
There is no guarantee that finance will be available.
Confidential
Let us help
You don't have to wait for another payday to understand where you stand.
If most of your income is disappearing into repayments and you're relying on credit for everyday expenses, start with a confidential conversation about your circumstances.