The debt behind the enquiry
Australians owed $44.1 billion on credit and charge cards in July 2026, and $21.4 billion of it was accruing interest, according to the RBA's card statistics. With the cash rate at 4.35% after a rise in May 2026, the gap between card interest and mortgage interest is the whole pitch. A consolidation enquiry is someone who has done that sum and wants a broker to make it work.
What a consolidation record carries
The record lists the debts, because a broker cannot judge the enquiry without them.
- Current lender, loan balance and a rough property value
- Debts to consolidate: cards, personal loans, car finance, tax debt, with approximate balances
- Whether repayments are current or in arrears
- Employment type and income
- State and postcode
- Timing, time stamp and consent record
Why the finance screen matters here
Consolidation enquiries fail on equity and serviceability more than any other refinance. The debts are real, the equity is often thinner than the enquirer thinks, and a missed repayment on a card can change the lender's answer. The PrimeProof screen runs before delivery on up to 98 data points. Of high income property enquirers we measured, 51.8% fail on finance; on leads cleared by the screen, fewer than 5% do. A lender still decides. We keep the enquiries that cannot proceed out of your calendar, so the ones that reach you are worth the call.
Related lead types
Homeowners who want to release equity for a purpose other than paying down debt are covered under cash out refinance leads. A plain rate-driven refinance is a different record, described under mortgage refinance leads.
Pricing
A fixed cost per lead agreed before the campaign runs, no retainer, no lock in. Each record is exclusive to you, verified by SMS and checked for duplicates. Invalid leads are reviewed within five business days and replaced or credited when confirmed.