DEBT CONSOLIDATION GOLD COAST
One repayment, at a rate that actually reflects the security behind it.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, DEBT CONSOLIDATION EXPERT
Chat with Lee, your Gold Coast debt consolidation expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. One repayment at a secured rate.
Credit cards, personal loans and car finance rolled into your home loan at a home loan rate, rather than sitting at unsecured pricing.
2. The full cost shown, not just the rate.
A lower rate over a longer term can cost more in total. We show you the real number over the life of the loan before you commit.
3. Self-employed income assessed properly.
If your income comes through a company or trust, we place the consolidation with a lender who assesses business income properly.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast borrowers consolidate through Serres?
Consolidation is easy to sell on the monthly repayment and easy to get wrong on the total cost, because a thirty-year term applied to a five-year debt quietly doubles what you pay.
We hold accreditations across 70+ banks, non-banks and specialist lenders, and structure the consolidation so the saving is real rather than deferred.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
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I'll reply the same way you contacted me, unless you say otherwise.
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FAQs
Does consolidating debt into my home loan save money?
It lowers the rate, but stretching a short-term debt over a thirty-year term can cost more overall. We model both before recommending anything.
Can I consolidate if I'm self-employed?
Yes. We work regularly with self-employed borrowers and know which lenders assess add-backs, trust distributions and retained profits properly at consolidation time.
Will consolidating affect my credit file?
Closing accounts and refinancing does show on your credit file, which is one reason we check lender policy before lodging rather than after.
What debts can be consolidated?
Credit cards, personal loans, car loans and some business debt can generally be rolled in, though lenders differ on what they'll accept and at what LVR.
