The Sydney 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 Sydney homeowner with an average loan of $842,000 on the ABS lending indicators has more mortgage to fold that debt into than most.
Values fell 4.6% over the year, so equity is thinner than owners who bought recently believe. Sydney's median dwelling value was $1,222,718 in August 2026, down 4.6% over the year and 1.4% lower in the month, on Cotality's index. Equity decides whether a consolidation refinance works, and in Sydney that means the market direction matters as much as the card balance.
What a Sydney record carries
Beyond the fields every record carries, a Sydney 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 Sydney
- Timing, time stamp and consent record
What is checked in Sydney
Every enquiry is phone verified by SMS, checked against records already sent to you and screened on finance with up to 98 data points before delivery. Of high income property enquirers we measured, 51.8% fail on finance. Fewer than 5% of leads cleared by the PrimeProof screen do. A lender still decides.
Who this is not for
Brokers who want clean, easy refinances. Consolidation enquiries in Sydney 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
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you and delivered live into your CRM. Invalid leads are reviewed within five business days and replaced or credited when confirmed.