Debt Consolidation
Explore combining multiple debts into a single loan to better align your repayments.
How can this service can assist you?
This service focuses on helping clients who have multiple personal debts explore whether consolidating into a single structured loan could make repayments more manageable. It includes reviewing existing credit cards, personal loans, or other debts and identifying whether a consolidation strategy could better manage cash flow, reduce stress, or improve repayment consistency. Careful attention is paid to loan terms and overall cost to ensure the approach supports long-term financial wellbeing.
Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
Disclaimer Statement
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Compliments & Concerns
At Cultivate Financial, your feedback is valued. Whether you’d like to share a positive experience or raise a concern, there’s a simple process in place to ensure your voice is heard.
All feedback helps improve the way services are delivered and ensures that clients continue to receive the respectful, transparent and supportive experience that Cultivate Financial is committed to providing.
You can view the full process on the Compliment & Concerns page.