Yes. You can usually consolidate credit cards, buy now pay later balances, car loans, personal loans and even tax debts into your home loan, which can lower your monthly repayments. The catch is that short-term debt stretched over a 25 or 30-year mortgage can cost more interest overall unless you pay it off faster, and you'll need enough equity and borrowing capacity to do it.

In this short video, McKern mortgage broker Mark Jones explains why more people are consolidating as multiple credit cards and buy now pay later accounts add up and become overwhelming.

General information only, not personal advice.