Other useful moves
Tax Debt or ATO Bill
Clear it at home-loan rates.
The ATO's general interest charge on outstanding tax debts is meaningfully higher than typical home-loan rates. For homeowners with equity, rolling an ATO debt into a refinance can lower the interest burden and put the debt on a predictable repayment schedule — provided the underlying causes are addressed too.
Things to consider
- Consolidating ATO debt into a home loan doesn't remove the debt — it moves it. Underlying tax planning still needs a professional accountant.
- Some lenders view outstanding ATO debt as a red flag during application; disclosure and timing matter.
- Enter an ATO payment plan first where possible — that can improve serviceability outcomes with a lender.
- Losing your home is a far worse outcome than a manageable ATO debt — borrow only what genuinely helps.
Related equity uses
Three more ways homeowners commonly put usable equity to work.
Explore whether tax debt or ato bill could work for you — complimentary, no obligation.
No obligation · No cost · No credit check to enquire.