Debt Consolidation
Take Control of Your Debt
At Secure Wealth, we’re committed to helping Kiwis manage and reduce debt with smart, personalized financial strategies. Whether you’re dealing with student loans, credit card debt, car loans, or just want to consolidate multiple debts into one manageable payment, our team of Qualified Financial Advisers is here to guide you.
Debt Consolidation and Management
Debt consolidation simplifies your financial life by combining multiple loans—credit cards, personal loans, and car loans—into one. This approach often results in lower interest rates and more manageable payments. However, it’s essential to work with professionals to ensure you avoid potential pitfalls, such as early repayment fees or long-term interest costs.
When debt consolidation isn’t enough, recommended debt management plans can help. These plans create a workable arrangement between you and your creditors, giving you breathing room without resorting to bankruptcy.
Pay Off Student Loans Faster
New Zealand offers interest-free student loans for residents, but paying off your loan sooner can improve your financial future. Secure Wealth can help you develop strategies to pay down your student loan quickly, especially if you’ve moved abroad and are now accruing interest. Faster repayment means you’ll have more flexibility to secure lending for other important goals, like buying your first home.
Credit Card Debt Solutions
Credit cards can be helpful, but they can also lead to overwhelming debt if not managed properly. Expert guidance is available to help navigate the process with strategies to pay off credit card debt fast, including prioritizing high-interest debts, making extra payments, and consolidating balances. By staying on top of your payments and using your credit wisely, you’ll improve your credit rating and financial health.
Car Loan Repayment Tips
Car loans are often long-term commitments, but with the right plan, you can pay yours off faster and save on interest. Advisers provide guidance on refinancing, rounding up payments, and making extra payments to accelerate debt repayment. Before proceeding with early repayments, it’s important to confirm there are no penalties to avoid unnecessary costs.
Your Existing Home Loan
$
Loan Balance (max. of $2,000,000)
years
Loan Term (max. 30 years)
%
Interest Rate
$
Minimum Monthly Repayment
Other Debt To Consolidate
My debt is from
$
Amount Owing
years
Loan Term (max. 30 years)
%
Interest Rate
$
Minimum Monthly Repayment
Refinance to a better Interest Rate
$
Current Loan Amount
%
New Interest Rate
years
New Loan Term (max. 30 years)
Your Result
Existing Repayment
$
0.00 /month
New Repayment
$
0.00 /month
Savings on Repayments
$
0.00 /month
Existing Interest Payable
$
0.00 over the life of loans
New Interest Payable
$
0.00 after refinancing
Savings on Interest
$
0.00