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The debt-recovery specialists · Melbourne, Australia

Back in
order.

For the people and businesses carrying more debt than they can see a way out of. ATO debt, trading debt, and the unsecured balances doing the quiet damage — read properly, structured once, and stayed with until it is fixed.

Take the 60-second debt test1300 015 267

No credit check to take the test. No email required to see your result.

A business owner and broker working through a debt position together

40+

Lenders on panel

45+

Years combined experience

FBAA

Member association

AFCA

External dispute resolution

Most lenders see a number.
We see a way back.

WeL'nd is a Melbourne based finance and mortgage brokerage for the people and businesses who feel stretched, behind, or buried under debt. We specialise in the hard situations, drawing on a panel of more than forty lenders and over forty five years of combined experience to find a way forward and stay until it is back on track.

  • 01

    Confidence

    We have seen worse and found the way through. That certainty is the first thing we hand a client.

  • 02

    Trust

    We tell you the true state of things early, and we do what we say we will do.

  • 03

    Care

    We treat your situation as our own, and we stay long after the paperwork is signed.

  • 04

    Relatable

    We talk like people, not like a bank. No jargon, no judgement, no fine-print games.

One facility

Seven repayments
become one.

Separate rates, separate terms, separate dates. We put them in one place, on one loan, with one date to remember.

  • ATO integrated accountGeneral interest charge, compounding daily$184,000
  • Outstanding BASThree quarters lodged, unpaid$46,500
  • Business overdraftAt limit, revolving rate$75,000
  • Equipment financeTwo facilities, different terms$92,300
  • Company credit cardsMinimum repayments only$38,900
  • Unsecured business loanWeekly direct debit$120,000
  • Superannuation guaranteeCharge accruing, director liable$27,400
ConsolidatedOne loan, one monthly repayment$584,100

Illustrative figures. Not a quote, not an offer of credit, and not a guarantee of approval.

Run your own numbers
  1. 01

    We add it all up

    Every balance, every rate, every due date. The honest total.

  2. 02

    We find one loan

    Across 40+ lenders, the structure that will actually carry it.

  3. 03

    We pay them out

    The old debts close. You get one repayment and one date.

Getting started

How this actually goes

Three steps. The first one costs nothing and takes about fifteen minutes.

  1. 01

    Tell us the real number

    Fifteen minutes on the phone. No documents, no forms, no credit check. Just the honest position.

  2. 02

    We read the whole file

    Lodgements, security, serviceability. Then we tell you what is achievable and what is not, before you spend anything.

  3. 03

    We deal with the lenders

    We package it, present it and chase the conditions. You get one facility, one repayment, one date.

What people believe

Six things people believe that are not true.

  • The ATO will just wait.

    It does not. The general interest charge compounds daily, and unlike most creditors the ATO can act without first going to court.

  • Asking for finance is admitting failure.

    Refinancing tax debt is ordinary commercial practice. Most of the businesses that do it keep trading, and their staff never know it happened.

  • I will lose the house.

    Using equity is a decision you make deliberately, not a forfeiture. If the numbers do not carry it, we say so before anything is signed.

  • A payment plan is basically a loan.

    It is an arrangement, not credit. It does not stop the charge accruing, and defaulting on one narrows what is available to you afterwards.

  • My credit is too bad for anyone to help.

    Adverse credit narrows the lender panel. It does not empty it. Specialist and private lenders exist for exactly these files.

  • It is too late to do anything.

    Earlier is cheaper, and that is the honest version. But a director penalty notice or a statutory demand still has answers, and they are worth hearing.

Start here

The four we get called about most.

Each of these has its own mechanics, its own timeline and its own set of lenders willing to touch it.

All debt solutions

Here is the honest number

Add every debt. See one repayment.

Change any figure — the defaults are starting points, not quotes. It is indicative only, and it will tell you when consolidating would cost you more over the full term rather than less.

What you owe today

Add every balance, not just the loud ones. The four rows below are illustrative starting figures, and every one of them is meant to be overwritten with yours.

  • ATO debt

    Clears in about 3 years 5 months at that repayment.

  • Credit card

    Clears in about 5 years 4 months at that repayment.

  • Equipment loan

    Clears in about 4 years 2 months at that repayment.

  • Business overdraft

    Clears in about 9 years 5 months at that repayment.

Pick the closest type. It only sets the name — you fill in the numbers.

The consolidated loan

A starting assumption only, not a rate we are quoting. Change it to whatever you want to test.

Longer terms cut the monthly repayment and raise the total interest. Move the slider and watch both numbers.

One monthly repayment

$987

$122,500 across 4 debts, consolidated over 20 years.

Repayments today
$3,030
Monthly change
$2,043 lower
Total balance consolidated
$122,500
Weighted average rate now
12.58%
Consolidated rate you entered
7.50%
Current path clears in
9 years 5 months
Consolidated loan clears in
20 years

Each month

What you pay now$3,030
One consolidated repayment$987

Interest, all up

Current path, at today's repayments$48,282
Consolidated, over 20 years$114,344

Lower each month. More in total.

Spreading $122,500 across 20 years brings the repayment down, but it stretches short-term debt over a long term. On these figures you would pay roughly $66,063 more interest over the life of the loan than on your current path.

That can still be the right call when cash flow is the emergency and the alternative is a garnishee or a wind-up. It is not free, and you should hear that from us before you hear it from anyone else. A shorter term, or paying it down hard once the pressure lifts, is how you get the breathing room without the full bill.

Bring these figures to us. We will tell you which of them a lender will actually accept, what it would take to get there, and whether consolidating is the right move at all.

Talk it through with a broker
Assumptions
  • Every rate shown is a figure you typed, including the four illustrative starting rows. Nothing here is a current rate, a comparison rate or a lender's product.
  • The consolidated loan is treated as principal and interest at a fixed rate over the term you chose, with equal monthly repayments and no redraw, offset or repayment holiday.
  • Your current debts are assumed to run at exactly the repayment you entered, at a fixed rate, with no new spending on any card, overdraft or buy-now-pay-later account.
  • Total interest on the current path is the sum of what each debt would cost to clear at today's repayment. Where a repayment does not cover the interest, that balance is counted at interest-only over the consolidated term, so the figure is a floor rather than the true cost.
  • No fees are included: no establishment, valuation, legal, discharge, break or ongoing fees, no lender's mortgage insurance and no broker fee. A real quote includes all of them.
  • Nothing here models an ATO general interest charge remission, a payment plan variation, or the tax treatment of any interest you pay. Those are questions for your registered tax agent.
  • Results are rounded. Interest is calculated monthly, so a lender using daily accrual will land on a slightly different number.

The full range

Debt is where we specialise. It is not all we do.

The panel

One conversation. Forty-plus lenders.

A bank can only give you a bank's answer. This is why the hard files still have somewhere to go.

See the full panel
  • Commonwealth Bank
  • ANZ
  • NAB
  • Westpac
  • Virgin Money
  • St.George
  • Suncorp
  • ING
  • Bankwest
  • Adelaide Bank
  • Beyond Bank Australia
  • Macquarie Bank
  • AMP
  • BOQ
  • Bank of Melbourne
  • Citibank
  • Heritage Bank
  • Bank First
  • BankSA
  • P&N Bank
  • Bank Australia
  • Bank of Sydney
  • MyState Bank
  • ME Bank
  • Bank of China
  • ubank
  • and 43 more

Proof

We have seen worse and found the way through.

One published client story and a set of clearly-labelled illustrative scenarios showing how these are actually structured.

The team

The people who pick up the phone

No call centre, no chatbot, no handing you between departments. You get a broker, and you keep them.

Meet everyone
  • Dave Pham, Head Broker at WeL'nd

    Dave Pham

    Head Broker

  • William Krypuy, Senior Broker at WeL'nd

    William Krypuy

    Senior Broker

  • Trung Nguyen, Head of Mortgage Operations at WeL'nd

    Trung Nguyen

    Head of Mortgage Operations

  • Edward Chan, Head of Compliance and Broker Support at WeL'nd

    Edward Chan

    Head of Compliance and Broker Support

  • Blair Jones, Customer Relations Manager at WeL'nd

    Blair Jones

    Customer Relations Manager

  • Celina Tavares, Office Manager at WeL'nd

    Celina Tavares

    Office Manager

Industry insights

We explain hard things in words anyone can follow.

All 38 insights

FAQ

The questions we get asked first

If yours is not here, ask it. We would rather answer the awkward one early than have you find out later.

1300 015 267
Can ATO debt actually be refinanced?
Often, yes. If there is equity in a property, or a business asset that can carry security, a lender can advance funds that pay the ATO balance out and replace it with a single loan on ordinary lending terms. Whether it is possible in your case depends on the security available, your serviceability and your lodgement position — which is exactly what the first conversation establishes.
Do I have to own property?
It is the most common route because it is usually the cheapest, but it is not the only one. Business assets, plant and equipment, commercial property and in some cases unsecured business lending can all carry a consolidation. Where there is genuinely no security and no serviceability, we will say so rather than run you through an application that was never going to work.
I have defaults and arrears. Is it worth calling?
Yes. Adverse credit narrows the lender panel, it does not empty it. Specialist and non-conforming lenders exist precisely for files that the majors decline, and pricing reflects the risk. The honest position is that it costs more — and that it is often still far cheaper than the debt it replaces.
How quickly can something happen?
It depends on the lender and the complexity. A mainstream refinance is generally measured in weeks. Where there is a deadline attached — a director penalty notice, a garnishee, a statutory demand — private funding can move considerably faster, and we structure for speed first in those cases and refinance to a better rate afterwards.
What does it cost to talk to you?
The first conversation costs nothing. In most residential lending the lender pays the broker on settlement. Where a commercial, specialist or private arrangement involves a fee payable by you, it is disclosed and agreed in writing before any work relies on it. Our Credit Guide sets out how we are paid.
Is consolidation always the right answer?
No, and anyone who tells you otherwise is selling. Rolling short-term debt into a long mortgage term lowers the monthly repayment but can raise the total interest paid over the life of the loan. And where the debt load is genuinely beyond servicing, the right conversation is with an insolvency practitioner alongside us. We would rather tell you that early than take you through a process that does not fix anything.

Credentials

  • Credit Representative 554029
  • ABN 20 672 801 651
  • FBAA member
  • AFCA external dispute resolution
Dave Pham, Head Broker at WeL'nd

“Tell me the number. I have almost certainly seen worse.”

Dave Pham · Head Broker

Talk to Dave1300 015 267

You are not the first, and you will be alright.

Tell us the true state of things. We will tell you early what is possible, what it would take, and where it will not work — before you have spent anything.

Or call us

1300 015 267

Monday – Friday, 09:00 to 17:30

Dave Pham, Head Broker at WeL'nd

“Tell me the number. I have almost certainly seen worse.”

Dave Pham · Head Broker

Talk to Dave1300 015 267

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