Personal financing
Salary Bridge
Cover a short gap before your next salary with a plan that leaves room for rent, bills and the commitments you already have.
View this option
Your financial priorities
Compare the whole arrangement
A lower monthly payment can result from a longer term. Review the remaining balance, settlement charges, new fees and total repayment before deciding whether consolidation improves your position.
| Consideration | Build the picture | What to review |
|---|---|---|
| Monthly payments | Add all current instalments. | Compare the proposed single instalment. |
| Outstanding term | Record each remaining repayment period. | Check how long the replacement facility runs. |
| Total cost | Include interest and settlement charges. | Include all interest, fees and any new costs. |
| Commitments | List balances and security arrangements. | Confirm which obligations are settled and which remain. |
A question to bring to the conversation
Will consolidation reduce the total amount I repay?
It may reduce monthly outgoings while increasing the total cost. A comparison should show both the instalment and the lifetime cost on the same basis.
Availability, eligibility, security, charges and repayment terms depend on individual assessment and formal agreement. This page is an introduction to the facility, not an offer or approval.
Consider the alternatives
Explore a related financing need.
The right structure depends on the purpose and repayment source. Review a related option before deciding what to discuss.
Personal attention. Professional assessment.
Discuss Combine Your Commitments.
Explain your requirement. We’ll begin with the purpose and the information needed to assess it.