We Reduce LVRs. We Make Deals Fit.

Are rising LVRs stopping you from settling deals?

Does your client’s debt outweigh the funds available?

Choice Debt Solutions specialise in making refinances fit!

  • • 95% of our deals are with LVRs over 80%

  • • 90% of our core business comes from brokers

Total Savings To Date


Broker FAQs

Will my lenders use CDS?

Many lenders use the services of CDS. Particular, specialist lenders such as La Trobe Financial, Pepper Home Loans, Victorian Mortgage Group, Liberty Financial and Bluestone. These lenders are all familiar with the services of CDS and enjoy a close working relationship.

Why would lenders use CDS?

Second-tier or specialist lenders are extremely encouraging when incorporating the services of CDS.

The main points or advantages are;

  • reducing credit card that minimises the impact on servicing requirements
  • reduces the LVR impacting on interest rates, decreasing overall lending risk and allowing deals to comply when the LVRs are outside of credit policy.
  • enhances the NCCP requirements of demonstrating that the borrower has a clear benefit from the refinance transaction.
When do I engage CDS?

In order to enhance the selling process and also the smooth transition of the entire process, CDS should be engaged at the embryonic stage of every transaction. Introducing CDS at the early stage will allow us to provide an estimate of savings and highlight the potential saving involved in your client’s refinance. This in a majority of cases, will encourage the client to proceed with your refinance proposal.

How does CDS help put the client in a better position?

CDS reduces debt including credit cards, personal loans and many other unsecured credit facilities, enabling a reduction in final payout figures. This ultimately results in lower interest rates, which means lower monthly repayments, less set up costs and most importantly the client having less debt at the end of the transaction.

Are we industry recognised?

CDS is a full member of the MFAA and is formally recognised by the following second-tier specialised lenders;

  • Pepper Home Loans
  • RedZed Lending Solutions
  • La Trobe Financial
  • Liberty Financial
  • Victorian Mortgage Group
  • Bluestone Mortgages
  • and many other specialist lenders
Can I use these services with my aggregator?

You can use the services of CDS with your aggregator. Our service is independent of any lending requirement and is purely an add on service for you and your client.

CDS often attends PD days with a number of aggregators.



1300 400 745