Debt Consolidation is only available to home owners.

This is true for all loan types, if any other lender says they can consolidate your short term debt into another loan they are not being truthful. Swapping short term debt with high interest rates for a new loan with the same rate makes no sense.

Home owners can access cash from their home loans at a rate of below 10%

I challenge any credit provider to openly quote their short term loan interest rate. You will see it can be as much as 60%.

IT MAKES NO SENSE TO CONSOLIDATE YOUR LOANS WITH ANOTHER LOAN IF YOU ARE NOT A HOME OWNER

Go shop around on the net, let the lenders quote their rates, when you can't find short term loan rates below 10 % come back here for REAL options to reduce your debt repayments.

  • If you are not a home owner BUT you are having a hard time paying your debt, we can show you how to reduce your overall debt by as much as 40 % without a new loan.  Find no debt here
  • If you are a home owner we have an option for you to consolidate your debt, please read further.

Home Loans Direct specializes in assisting homeowners who find themselves over-indebted and are unable to meet their monthly living expenses and service their outstanding debts by using the available equity on their property to settle outstanding debts. 

  • In most cases, the formal banking sector will not be willing to assist clients in this situation as they view them as ‘high risk clients’

  • We are also able to assist clients who are currently under debt counseling or administration and we can even assist you if your bond is in arrears.

  • Our company offers the client the option of replacing their high short term debt with a more affordable long term solution and at the same time, increasing their monthly net salary

Home Loans Direct understands that many South Africans are faced with growing monthly commitments from debt accumulated over many years. Because of the huge rise in inflation, many of us are unable to meet these monthly financial obligations and are faced with threats of legal action and in some cases the threat of losing household assets and vehicles. 
By consolidating all these debts using equity available on your property, you will not only be able to restore your financial stability, but have the peace of mind knowing that your hard earned possession are safe from the threat of repossession.

Our monthly bond payment is the most critical debt to service on a monthly basis, however, due to the rising cost of living an previously accumulated debt, many South African homeowners are faced with the terrifying reality that should their financial position not be rectified in the near future, they may start falling behind on these monthly repayments. 
Once this happens you are under a real threat of losing your family home.

With Home Loans Direct assistance, we will be able to settle all your high monthly short term debt payments and increase your net salary making your bond repayment more affordable and ensuring that your home is not at risk of being repossessed. 

Should you have a bad credit history, even securing a medium term loan for the purposes of consolidating your debt may not be in your reach, however, to a client who is already under financial constraints, debt consolidation using a medium term loan is not always the wisest route to take as you are going to be paying high installments which will not bring much financial relief. 

Home Loans Direct offers you the option of replacing these high installments with a more affordable long term solution.

We are one of the very few companies in South Africa who are able to assist clients who have, up until now, not been able to qualify for second bonds because they are blacklisted and have a bad payment history.


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