MyBudget Loans | Personal Loans & Debt Consolidation Australia
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Lending made easy

Our caring team of Lending Experts understand your needs and explore all of your options, making it easy to find the right lending solution for you.

  • Specialists in non-conforming lending
  • Caring, stress-free approach
  • Experienced lending experts.
Book a 15 min call

MyBudget Loans service, providing expert support for debt consolidation, mortgage refinancing, and tailored debt solutions for Australians.

Leah, a dedicated MyBudget staff member providing financial coaching and budgeting help to Australians.

Leah | MyBudget Loans team member

Pay less, live more with the right loan solution

MyBudget Loans is committed to helping you find the right loan, whether you’re refinancing your home loan, buying your first home, or consolidating your debts.

Get into your own home sooner

Get into your own home sooner

Our passionate team can help you navigate home buyer schemes. We’ll help you find the right loan and can even assist with your application.

Reduce your payments

Reduce your payments

Request a FREE Home Loan Health Check today. Our lending team can review your current mortgage and look for savings by exploring all of your options.

Simplify your debts

Simplify your debts

Reduce stress and save money by exploring your debt consolidation loan options. Restructure multiple repayments into one simple, manageable loan that fits your budget.

Erin & Adam | MyBudget clients

Experience the MyBudget Loans difference

  • Innovative loan solutions – no matter how complex
  • Caring & stress-free approach – nothing is too difficult
  • Knowledgeable & passionate team – experts in non-conforming lending for refinancing & home loans.

Clients refinancing with MyBudget Loans save on average $10,000 in repayments per year

*Based on data as of January 2024

How much could you save?

Home loans

Home loans

We go far beyond what a typical broker offers. We handle the heavy lifting, making the entire process as stress-free as possible for you.

Debt consolidation

Debt consolidation

Are high-interest debts hurting you? Are you juggling multiple debts? Let our debt consolidation experts make a difference by finding a simpler, money-saving loan for you.

Mortgage refinancing

Mortgage refinancing

Are you paying too much for your mortgage? Would you like to release equity in your home? We’ll go the extra mile to help you free up cash and potentially save thousands.

Car loans

Car loans

Our experienced lending team will help you compare rates, loan features and loan terms. Don’t let a bad credit rating prevent you from talking with us.

Personal loans

Personal loans

Working towards a new car, a wedding or something else? We’ll help you find a competitive interest rate and loan term to suit your personal borrowing needs.

Construction loans

Construction loans

Building or Renovating? A building or construction loan is funded in progressive payments to your builder, so you only pay interest on the amount you borrow as and when each stage of build is completed.

FAQs

Can’t find what you’re looking for? See more FAQs…

  • At MyBudget Loans, as your broker, we have access to a wide panel of lenders, allowing us to compare a diverse range of products and find the one that is perfectly tailored to your unique financial situation. On average, our clients save $10,000 in repayments per year by refinancing with us.

  • MyBudget Loans specialises in helping homeowners and families simplify their debts and reduce monthly repayment pressure by finding better home loan refinancing solutions. Our team of experts is also equipped to help you secure competitive interest rates on new personal loans and construction loans, ensuring you get the right lending solution for your specific financial needs.

  • The first step in comparing your lending options is completely free and without obligation. You can book a free home loan health check or initial call with a MyBudget Loans specialist to review your current mortgage and explore how much you could save through refinancing, which is a great way to start taking the weight off your shoulders.

  • Yes. MyBudget Loans can help with debt consolidation by exploring options to combine multiple unsecured debts, such as credit cards, personal loans and medical bills, into one simpler repayment. In some cases, consolidating debts by refinancing a mortgage may also be considered, as it can offer a lower interest rate. However, it’s important to be mindful that spreading short-term debts over a longer period can increase the total cost. We help you weigh up the options so any consolidation supports your budget and long-term financial goals.

  • Going directly to your bank limits you to one product. MyBudget Loans works with over 15 major Australian lenders (including NAB, Westpac, ANZ, and Pepper Money). We compare hundreds of products to find you a loan with the best rate, saving you money and time. Our team finds the right loan that fits your budget plan, making the process stress-free.

Find the right lending solution for you!

Whether you need a loan to renovate your home, purchasing your first home, or saving money on your current mortgage repayments, MyBudget Loans can help.

Book your FREE 15 minute call with a MyBudget Loans specialist.

Book now

Alternatively, chat to one of our Lending Specialists today on:

08 8215 7519

Don't just take our word for it

MyBudget has been featured in leading Australian media and trusted publications.

  • MyBudget Reviews

    We’ve been using MyBudget for over 4 years now and this is our 3rd time back. The customer service team are polite and professional. We never feel alone and always supported. We are debt free and saving for a house deposit. If you feel the mountain is too high to climb alone, contact MyBudget. You won’t be disappointed!

    Dani | MyBudget client

  • MyBudget Reviews

    Amazing and friendly service from the team from MyBudget and MyBudget loans. We recently refinanced our home loan and had a great experience!

    Abby | MyBudget client

  • MyBudget Reviews

    Best decision I’ve ever made is using MyBudget. As a family of 5 things get tight and out of hand. I’ve managed to pay off my debt, pay all my bills, buy 2 new cars and take family on several overseas trips including a big trip to Disneyland. I could never have this lifestyle if it wasn’t for MyBudget.

    Aleta | MyBudget client

  • At MyBudget Loans, we’re passionate about helping you find the best lending solution to meet your needs (and dreams). That’s why we are proud to partner with the below lenders and offer products that are uniquely tailored to the needs of our clients. As a referrer of the below lenders’ financial products, we’re required to make the lenders’ Target Market Determinations (TMD) available for your review, under the Design and Distribution Obligations under Pt 7.8A of the Corporations Act 2001 (Cth). Their TMDs will outline the likely objectives, financial situation, and needs of the target market for each product they offer. This is to ensure that consumers such as yourself, are at the centre of developing financial products and are matched with a product that suits your individual needs and circumstances. Please note, a TMD is not intended to provide financial advice. When making a decision about a product, make sure you refer to the Terms and Conditions and any supplementary document(s).

    You can view each lender’s TMD by clicking the relevant links below.