5. Transition After 24 Months

Once your credit score has improved, you have the option to transition into a more traditional mortgage or continue with Bond Optimiser Mortgage.

4. Track Your Progress

You can access our Edvance Cash-back programme, which offers monthly cash rewards for good financial behaviour, further improving your financial standing.

3. One Affordable Payment

Your debts are then consolidated into one simple, interest-only payment for the first 24 months, helping you get back on track.

2. We Handle the Negotiations

We’ll negotiate with your creditors and work on settling your outstanding debts for less than what you owe, adding the consolidated amount to your bond.

1. Apply for Debtcon

Start by applying online and providing us with your debt and property information. Our experts will evaluate your financial situation and equity in your home.