Debt Releif, Debt Help, Debt Consolidation Loans - Honey Loans

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Debt Relief Overview
 

Are you struggling to meet all your monthly repayments? Debts piling up every month with no end in sight?

You may be able to combine all your existing unsecured debts into a single loan and save. This process is known as Debt Consolidation. Debt Consolidation effectively allows you to take several smaller loans with a higher interest rate and merge them into a single larger loan, generally provided over a longer period of time at a lower interest rate.

By spreading out the combined loan over a longer period of time and reducing the interest rate being paid, you can save on monthly repayments, and clear outstanding debts quicker. You are able to take advantage of a debt consolidation program even if you are not a home owner.  Let Honey Loans help you get your finances in order and enjoy great savings in the process.

Debts Piling Up?
If you, like many other Australians, are paying a number of different loans such as a car loan, a personal loan, credit cards, and store cards, you are probably paying interest on accumulating debt. Honey Loans would like to help you get your finances in order and enjoy great savings in the process. How would you like to significantly cut your repayment obligations? No matter how many loans you have, or, in some cases, even if you’ve had some credit history problems – we will be happy to assist.


Can’t Pay your credit card bills?
Australian Credit Card debt is at an all-time high and the amount of credit card debt per head of population is quickly increasing.

We all know how easy it is to obtain yet another card. The regular offers in the mail of “sign here and we’ll send you the card” or “sign here and you’ll instantly qualify for our offer. Initially it does not even feel like you are spending borrowed money – and then the bills come in. It’s just too simple to do, yet the repercussions of your spending habits can land you in a lot of financial difficulties. Debt consolidation may be the answer you are looking for.

 

Enticed by Interest Free Offers from major retailers?
Can’t afford it Sir? Do not worry, you can take it home today with our interest free offer! Sounds familiar? There are numerous interest free offers available from a number of Australian retailers. The interest free period seems to be extended out further every year. I remember when you could purchase an item and pay nothing for 6 months. Now some retailers are offering large purchases on 24 months interest free terms. Where will it end? While you do not have to pay any interest on these purchases you usually incur very high interest charges if you do not pay the debt out completely by the end of the interest free period. This is often a trap for the unwary.


How Does Debt Consolidation for Home Owners work?
If you are a home owner with equity in your home, you may be able to consolidate all your existing obligations into your mortgage. This is sometimes known as an All-In-One loan and has a number of benefits. Firstly all your outstanding bills and debts are repaid in one go, avoiding possible defaults on your credit history. Even if your credit history is already less than perfect, debt consolidation may assist in the process of Credit Repair.

Through Debt Consolidation you may have the opportunity to pay home loan interest on your credit card and personal loan debt – this is very advantageous. Home loan rates are generally lower than those of credit cards, personal loans, car loans or overdrafts. Your home equity, in most cases, can provide the cheapest and most flexible source of finance that is readily available.
We can assist you to obtain a debt consolidation loan so that you can use your equity to manage your personal finance.

Interested in Debt Agreements?
In some circumstances Debt Agreements are the only available option for a client.
Where your credit history is already damaged it may be difficult to find a lender who will consider merging all your existing debts into an unsecured personal loan. By entering into a Debt Agreement with your creditors you can eliminate the harassing telephone calls from Debt Collectors and benefit from an opportunity of a Fresh Start.


Do not own your own home?
Just because you are not a home owner does not mean that you are not able to take advantage of the savings offered through Debt Consolidation. Our associates will be happy to work with you on consolidating effectively your existing debts into a personal loan. While personal loan rates are not generally as low as home loan rates, they are lower than the rates charged on outstanding credit card and finance company debts.


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