Send us a textHow to Pay Off Debt Faster Using Your Home Loan | Debt Consolidation AustraliaCan you really use your home equity to pay off your debts?In this episode of The Mortgage Chat, I’ll walk you through a real-life example showing how to consolidate personal debts into your mortgage using your property's usable equity.I’m Tony Xia, the Founder and Director of The Mortgage Agency — one of Sydney’s top mortgage broker firms. We help Australians make smart decisions about property, finance, and debt management.In this video, you'll learn:✅ What usable equity is and how to calculate it✅ How to consolidate car loans, personal loans and credit cards into your mortgage✅ Pros and cons of debt consolidation✅ Real savings you can make on repayments✅ Key things to consider before refinancingWant a free consultation to see if you qualify for debt consolidation through equity?📞 Contact The Mortgage Agency today and we’ll help you explore your options.👉 Like, comment, and subscribe for more practical advice from The Mortgage Chat.📍 FIND US HERELinkedIn: https://www.linkedin.com/in/tony-xia-12a7b596 Facebook: https://www.facebook.com/The-Mortgage-Agency-103274301374511 Instagram: https://www.instagram.com/tonyxia_themortgageagency/ YouTube: https://www.youtube.com/@themortgageagency8841/videosBook a quick call⬇️https://themortgageagency.com.au/contact/Tony Xia | The Mortgage Agency📞 0423 718 612📩 [email protected] Chapters:0:00 Introduction  0:12 Can you consolidate debt using your mortgage?  0:33 What is usable equity?  1:05 How to calculate usable equity  1:33 Why equity matters before debt consolidation  2:00 Real-life example: Home value vs loan balance  2:30 How much debt can you actually consolidate?  2:55 Consolidating car loans and personal loans  3:24 Interest rates: credit card vs mortgage  4:10 Total monthly repayments before consolidation  4:40 Savings after consolidating debts  5:15 Does this reduce your loan term?  5:50 Risks of consolidating into your home loan  6:30 Should you do it? Key things to consider  💬 Like, share, and hit that subscribe button so you never miss an episode of The Mortgage Chat—your go-to podcast for all things mortgage, property, and finance in Australia.#mortgagebrokerpodcastaustralia #TonyXia #TheMortgageAgency #mortgagebroker #mortgageloan #mortgageadvice 

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