The Melbourne numbers that shape debt consolidation leads
Australians owed $44.1 billion on credit and charge cards in July 2026, with $21.4 billion accruing interest, on the RBA's card statistics, and the cash rate sits at 4.35%. A Melbourne homeowner with an average loan of $664,000 on the ABS lending indicators has more mortgage to fold that debt into than most.
Values fell 4.7% over the year, so equity is thinner than owners who bought recently believe. Melbourne's median dwelling value was $786,718 in August 2026, down 4.7% over the year and 1.1% lower in the month, on Cotality's index. Equity decides whether a consolidation refinance works, and in Melbourne that means the market direction matters as much as the card balance.
What a Melbourne record carries
Beyond the fields every record carries, a Melbourne campaign for this lead type captures the details that decide the first call.
- Current lender, loan balance and a rough property value
- Debts to consolidate: cards, personal loans, car finance, tax debt
- Whether repayments are current or in arrears
- Employment type and income
- Suburb or region of Melbourne
- Timing, time stamp and consent record
What is checked in Melbourne
Before a Melbourne record reaches your CRM it has passed three checks. The mobile was verified by SMS, the record was matched against everything already sent to you, and the enquiry was screened on finance with up to 98 data points. Of high income property enquirers we measured, 51.8% fail on finance. Fewer than 5% of leads that clear the screen do. The screen is not an approval.
Who this is not for
Brokers who want clean, easy refinances. Consolidation enquiries in Melbourne fail on equity and serviceability more than any other refinance, and although the screen removes the clear non starters, the ones that clear still need work.
Pricing
The price is a fixed cost per verified lead, agreed before anything runs. There is no retainer and no lock in. Records are exclusive to you and arrive live in your CRM. A lead that turns out to be wrong is reviewed within five business days and replaced or credited when confirmed.