So You Know Podcast - Debt Consolidation

UNO home loans

So You Know podcast episode 1 - debt consolidation with Karis Churchill.

Debt consolidation: Simplifying and managing your finances in one loan.

In the debut episode of So You Know, UNO Broker Karis Churchill joins Vincent Turner to discuss debt consolidation. They delve into many topics including what debt is and its different types, including secured and unsecured debt.

Karis walks us through debt consolidation - the process of merging multiple debts into one loan - giving you better control and simplification of finances.

The main drivers for debt consolidation are the desire for easier management of multiple payments and the opportunity to save money on interest rates. Karis also shares strategies for structuring debt consolidation loans effectively, such as using cash-out refinancing to pay off debts not in the borrower's name.

"Debt consolidation can help bring all your existing debts into one loan, giving you better control of your finances. It allows you to move high-interest debts to lower interest rates, saving money and getting out of debt sooner."

Karis Churchill is a mortgage broker at UNO, Australia's online mortgage broker. With extensive knowledge and experience in debt consolidation, Karis helps clients simplify their finances and take control of their debt.

debt consolidation merges multiple debts into one loan, simplifying finances and providing better control.
Consolidating debt can save money on interest rates and help borrowers pay off their debts sooner.
Structuring debt consolidation loans effectively involves using cash-out refinancing and splitting loans to pay off debts with different terms.

So You Know - a Finance and Property podcast by UNO

You’re listening to ‘So You Know’ - a Finance & Property podcast by UNO, Australia’s Online Mortgage Broker - where we deep dive into a single aspect of home loans in under 15 minutes so you’re better informed and can make better decisions when it comes to your property and your home loan.

‍

5 stars for our service reviews from clients

Book Call Now

UNO home loans

Try Plans, by UNO

Mortgage calculators completely reimagined

Get Started

Considering a purchase or refinance?

Try Plans by UNO

Mortgage calculators completely reimagined

Get Started

☎️ 🚫 No cold call promise

Rental Yield: Everything you need to know in one article

Learn what it is, how to calculate it why it matters, what good looks like and how to improve it (and what you can't do!)

Stamp Duty

You’ve no doubt heard of stamp duty – but how much is it going to cost you? We’ve compiled a comprehensive list of answers to your stamp duty questions.

First home buyer Victoria: guide to FHOG and more

First home buyer Victoria: your guide to FHOG / first home buyers grant, stamp duty concessions/exemptions, and more.

TESTIMONIALS

What our customers are saying

Kathryn Cretney

November 14, 2024

Paul helped us from day one before we even arrived in Australia so we knew exactly what we needed to prepare. He’s got a tonne of knowledge and was really lovely and supportive to deal with. Helpful and easy going. Would highly recommend - now in our first Aussie home and Paul made the process all very easy!

Sean O'Neill

November 14, 2024

We received excellent service and a tailored solution to our home loan requirements from Uno. Paul kept us informed at all milestone stages and throughout the process he demonstrated a ‘can do’ attitude that ultimately allowed us to get over the line and meet our deadline. We’re most grateful and very impressed. Highly recommend

Crush Huston

November 8, 2024

Paul is an amazing broker. Communicative, responsive and knows his stuff! Highly recommend

Amanda Pearce

November 7, 2024

After just four months in Australia, our New Zealand home sold, prompting us to stop renting and invest locally. We found Paul through a Kiwi Facebook group, and his exceptional service exceeded our expectations. From initial contact, Paul provided clear explanations, friendly communication, and prompt responses to our queries, making our mortgage process remarkably smooth. We highly recommend him.

Dom Saric

November 3, 2024

Mike Parsons went above and beyond to ensure that our refinancing journey was painless and successful. He was communicative, accessible (even working while on holidays!), and his knowledge of the systems at play meant that he picked up on things that other brokers missed. Would 100% recommend Mike, and will definitely be back next time we need a broker.

Ashleigh Breaden

October 31, 2024

Mike Parsons handled our refinance of our home loan with ease and a depth of knowledge that ensured we got the best deal possible for our situation. We didn't have an easy one to solve for with my husband being self employed and we were consolidating finances as well for a car loan. But Mike handled it all for us and once we had provided him with all the documents we literally didn't have to do a thing after that, it was so easy and so quick we are super happy with the experience! Top notch! Highly recommend!!

Kyle Richards

October 10, 2024

Absolute legend, helped me through the first home buyers scheme, explained everything in a way that made sense, was very knowledgeable and a joy to work with.

Chloe S

October 8, 2024

Mike Parsons made it possible for us and the in laws to get 2 pretty complicated home loans. He helped us through everything and we'd be happy to use Mike and the team again for anything we needed. Thanks again!

Sam Rezai

October 2, 2024

I have gone through 6 different mortgage brokers prior to meeting Andrew Wyers. He is the most patient mortgage broker I’ve encountered and also the most knowledgable about the bank’s lending process and products available. It took me 1 year to find a house I was happy with and Andrew was always there to assist with any issues or questions I had; he always return my phone call, even on the weekends or when his away on holidays. The loan process was smooth and I had no complications. The process with Andrew was again nice and easy, he took the time to find and put together the right package that was suited to my situation. I have recommended Andrew to my family & friends and everyone have been grateful and completely satisfied with his service.

S Wilko

September 23, 2024

I had not dealt with Scott or UNO before finding them on the internet. Even as an Australian citizen living and working overseas, I knew obtaining a loan would be difficult. However, Scott went above and beyond what I expected from a mortgage broker. I genuinely don’t think you could find another company that works as hard as they did to get my home loan approved. I cannot recommend them highly enough. Everyone I dealt with at UNO were extremely professional and helpful. If you are looking for a broker, you would be mad not to give them a go. Thanks to Scott Wilkinson, Dalby Bajwa, Jena Lasquite and Andrew Pacini. Shaun.

Shan Liao

September 3, 2024

I had an outstanding experience with Tian Liu. He was incredibly professional and attentive, going above and beyond to meet my needs. His expertise and dedication made the entire process smooth and stress-free. Tian's deep knowledge of the market and commitment to finding the best solutions for his clients truly sets him apart. He was always available to answer my questions and provided invaluable guidance throughout. I highly recommend Tian Liu to anyone in need of a reliable and skilled broker!"

Nathanael Chin

September 3, 2024

Tian Liu provided exceptional service throughout the entire process. His professionalism and keen attention to detail were evident from the start. Tian consistently kept us informed and offered insightful advice that made us feel confident in our decisions. He truly cares about his clients and works tirelessly to ensure the best possible outcome. We couldn't be happier with his assistance and highly recommend Tian to anyone looking for a trustworthy and knowledgeable broker.

So You Know Podcast - Debt Consolidation

Debt consolidation: Simplifying and managing your finances in one loan.

So You Know - a Finance and Property podcast by UNO

UNO home loans

Try Plans by UNO

Related Articles

Rental Yield: Everything you need to know in one article

Stamp Duty

First home buyer Victoria: guide to FHOG and more

What our customers are saying