Most Homeowners Consolidating Debt Leave Money on the Table. Our Private Banking Background Makes Sure You Don't.
Anyone can point you at lenders for debt consolidation loans. Candice Joseph, former Private Banker and Director of Entourage Byron Bay, knows how lenders structure and price these deals from the inside. She uses that to access specialist home loan debt consolidation lenders most brokers never pitch to, and engineers your consolidation around your specific numbers so you walk away with the best deal available, not just an easy approval.
Access 60+ lenders, including options your bank will never show you: We compare specialist debt consolidation home loan structures across lenders that don't advertise publicly, including solutions built specifically for imperfect credit histories and complex debt situations.
See whether you save $300, $500 or more per month before you commit: We model your full consolidation across rate, fees, and loan term and show you the exact number. Nothing touches your credit file until you decide to go ahead.
Get the deal lenders reserve for their best clients: Candice's 5+ years inside Private Banking means she knows exactly how lenders price and structure debt consolidation mortgages, and positions your application to access terms most borrowers never get offered.
Check Your Debt Consolidation Capacity
Trusted by SMSF Investors
Proven Results That Speak for Themselves
In loans settled across Australia
5-Star Google reviews
Properties purchased or refinanced
Lenders accessed to find the right fit for your situation
Our Partners
Accredited to Compare 60+ Leading Lenders
Our Solution
How We Structure Your Debt Consolidation to Get the Best Outcome
The Process
Getting Your Debt Consolidation Sorted Is This Simple
Step 03
One Clean Structure, One Low-Rate Repayment
Once you're ready to proceed, we handle everything: application, lender liaison, and settlement. Your credit cards, personal loans, and other high-interest debts are consolidated into one home loan debt consolidation structure built specifically around your situation. You walk away with one repayment, a clear financial picture, and hundreds back in your pocket every month.
5 Star Rated
From 500+ Real Client Reviews
Reviews
What Our Clients Say
Investors who came to us with complex situations, and left with a clear path forward.
They have been able to achieve what even the banks themselves can't deliver in terms of loans, rates and financial structure. They have made some insights and recommendations that have absolutely changed our finances for the better and we wouldn't be in the place we are now without them.
JG
James Garland
Verified Google Review
I have a complex company and trust structure and they unwrapped all the options from all their lenders to make a plan and go about getting it done.
DB
David Byrne
Verified Google Review
The deals Entourage have brokered for me have stood the test of time and I currently enjoy very attractive terms in the volatile and uncertain market.
SC
Shaun Chalmers
Verified Google Review
I have used them twice and would never finance directly through a bank again. Candice, Kaylah and their team were always helpful and patient. Well worth a call.
AK
Andrew King
Verified Google Review
From our initial introduction, Candice and her team demonstrated exceptional professionalism and expertise. They guided us through our borrowing capacity and effectively managed a few challenges that arose along the way. I never imagined a loan process could be stress-free, but with Entourage, it truly was.
DB
David Ball
Verified Google Review
Candice was extremely knowledgeable and worked hard, including out of hours, to obtain a loan for a complex self-managed superfund purchase on a strict timeline. We would certainly recommend her.
PK
Peter Krotiris
Verified Google Review
There were a number of challenges and changes throughout the process and they handled it with expert professionalism and with my goals in mind.
CW
Chris Waxman
Verified Google Review
Candice Joseph and the team were brilliant in achieving a great result for our home loan in such a short period of time. I found Candice very knowledgeable and efficient and always available, which made the process simple and easy.
AG
A25 Group
Verified Google Review
Candice was a delight to work with throughout the whole process of applying for and securing a home loan. The process was seamless, with communication at every step, even over the weekend. I couldn't recommend the team at Entourage highly enough.
SS
Sarah Smaith
Verified Google Review
Your Debt Consolidation Specialist
Meet Candice Joseph
I spent 5+ years inside Private Banking before moving to the broker side, which means I know exactly how lenders build, price, and structure debt consolidation deals from the inside out. As Director of Entourage Byron Bay, I've helped hundreds of clients across Australia access specialist lenders and structures that their banks never made available to them. My background in accounting and financial modelling means I don't just find you a lender. I engineer the consolidation around your specific numbers to make sure you're walking away with the genuinely best outcome, not just an easy approval.
12 Years in Finance, 5+ in Private Banking: I've sat on both sides of the lending table, which means I know what lenders are looking for and exactly how to position your application to get the best result.
Part of a Team That Has Settled $2 Billion+ in Loans: Entourage has helped thousands of clients across Australia access finance that their banks couldn't, or wouldn't, deliver.
Specialist in Complex Debt Structures: From multiple high-interest debts to imperfect credit histories and intricate financial situations, I handle the consolidation cases that standard brokers walk away from.
FAQ
Frequently Asked Questions
Do I qualify for a debt consolidation home loan?
If you own property with usable equity and have income to service the consolidated loan, you're likely eligible. You don't need a perfect credit history. Candice works with specialist lenders for debt consolidation loans who assess your full financial picture, including current income and equity position, not just your credit score. The best way to find out is a free assessment with no credit check required.
Will consolidating my debts affect my credit score?
Finding out whether you qualify doesn't touch your credit file. We run your full assessment on a soft inquiry only, so nothing is recorded against your credit history until you formally decide to proceed with an application. For clients with an imperfect credit history, we identify which lenders are most likely to approve your specific situation before anything is submitted, which avoids unnecessary hard inquiries.
Does Candice charge a fee for this service?
No. Like all mortgage brokers, Candice is paid a commission by the lender once your loan settles. There is no fee charged to you at any point in the process. You receive the same expert assessment, lender comparison, and deal structuring regardless of which lender is selected. Candice's incentive is to find you the best outcome, not the easiest placement.
How long does a debt consolidation home loan take?
Most consolidations settle within 3 to 6 weeks from application, depending on your lender and the complexity of your situation. The upfront assessment, where we model your saving and identify the right lenders, happens in your first session. Candice's team manages the entire process from there, including all lender communication, documentation, and settlement coordination.
Why not just go directly to my bank?
Your bank will show you their own product at their own rate. They won't show you what their competitors are offering, they won't model your consolidation across multiple structures, and they won't tell you which specialist lenders for debt consolidation loans might approve your situation on better terms. Candice accesses 60+ lenders, including specialist lenders unavailable through banks or comparison sites, and structures your consolidation to get the best deal available across the entire market, not just the one product your bank happens to offer.
