Debt Consolidation Home Loans Tauranga — One Simple Payment. Less Stress. Better Cashflow.
I’m Eddie Biesenbach — Tauranga mortgage broker with 20+ years’ experience helping homeowners combine multiple debts into one structured, lower-rate home loan.
Credit cards, car loans, personal loans, BNPL — they all add up fast.
I help you roll them into one clear, affordable repayment without judgement and without confusion.
Why Debt Consolidation Works for Tauranga Homeowners
Multiple debts = multiple rates, multiple fees, multiple due dates… and constant pressure.
A debt consolidation home loan gives you:
• One structured payment
• A much lower interest rate
• More monthly cashflow
• Less financial stress
• A clear, achievable plan
• No more juggling multiple lenders
The goal isn’t just to consolidate — it’s to take back control so you can move forward confidently.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Tauranga Case Study — $480 Per Month Saved
Emma — Welcome Bay
Emma had three credit cards, a personal loan, and a car loan.
Five payments. Five interest rates. No progress.
I reviewed her debts, assessed her equity, and structured a safe consolidation top-up with a major lender.
Result:
• One simple payment
• $480 extra in monthly cashflow
• Clear plan to be debt-free faster
• No judgement, no confusion, no stress
How My Debt Consolidation Process Works
I make the process simple and judgement-free. My goal is to help you combine your debts into one clear plan with confidence — no confusion, no pressure, no bank jargon.
Step 1 — Quick Debt & Equity Review
We review your current debts, home loan, rates, equity, and goals.
Step 2 — Savings & Strategy Plan
I compare lenders and calculate your exact repayment difference.
Step 3 — Approval & Consolidation Setup
I handle paperwork, bank communication, and structure your repayments properly.
Step 4 — Long-Term Support
I help you refix, refinance, and stay on track year after year.
Your Questions, Answered
Does consolidating debt actually save money?
Often, yes. Mortgage rates are usually far lower than credit card or personal loan rates. We calculate the savings so you can see the real difference before deciding.
Can I consolidate debt if I don’t have much equity?
Maybe. Some lenders allow consolidation up to certain limits. We’ll check your home value, loan balance, and explore bank or non-bank options.
Will consolidating increase my mortgage term?
Only if you choose to. We can structure the consolidated portion on a shorter term so it doesn’t run for 25–30 years.
Does a debt consolidation loan affect my credit score?
It usually helps. Paying off multiple debts reduces utilisation and missed-payment risk. Over time your score often improves.
Can I consolidate debt even if my bank declined me?
Yes. We work with non-bank lenders that are more flexible with consolidation criteria, especially if your income or credit has changed.
Ready to Simplify Your Debt?
One conversation could reduce stress, free up cashflow, and put you back in control.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
