Video· Debt· Cash Flow
How loan restructuring saved one family over $6,000 a month
29 July 2026 · 1 min read
Consolidating debts dropped this family's monthly repayments from $11,500 to approximately $5,250.
💰 How do you end up paying over $11,000 every month... and still feel like you're getting nowhere?
That was the reality for one family who came to us.
🏡 A mortgage.
🚗 Two car loans.
💳 Multiple personal loans.
💳 Several credit cards.
And to top it all off, they were about to take out another personal loan just to pay for a family holiday.
Even though they were on good incomes, they felt like they were constantly chasing repayments and never really getting ahead.
📉 So instead of adding another loan, we stepped back and looked at the bigger picture.
We restructured their loans, consolidated most of their debts into one mortgage, included the funds they needed for their holiday, and completely changed the way their finances worked.
✅ The result?
💰 Their repayments dropped from around $11,500 per month to approximately $5,250 per month.
That's over $6,000 every month back in their cash flow... even after borrowing extra funds for the holiday.
Now here's the part that changed everything...
🏡 If they simply keep making the same total repayments they were already making before the refinance, they're on track to become debt-free in around 9 years—without spending an extra dollar.
Or...
😌 They can keep some of those savings to make life easier while still paying off their mortgage years sooner.
That's the difference between simply refinancing for a lower rate...
🎯 ...and having a strategy built around your goals, your budget, and your future.
🎥 Want to see how the MortgageSMART strategy works?
#MortgageSMART #Refinancing #DebtConsolidation #MortgageBroker #HomeLoans #DebtFree #PersonalFinance #Australia #FinancialFreedom #EmanateFinance
General information only. This video is not personalised financial advice. Your individual circumstances should be considered before making any financial decisions.
