dsl-logo

Home Loans

Personal Loans

Car Loans

Business Loans

Credit Cards

Banking

dsl-logo
dsl-logo

Home Loans

Personal Loans

Car Loans

Business Loans

Credit Cards

Banking

Compare debt consolidation loan rates in 60 seconds

  • Instant online quotes from top Australian lenders
  • Low finance rates tailored to you
  • Get your best deal
Debt Consolidation Loans Australia
Debt Consolidation Loans Australia

Why use Money Matchmaker® to compare debt consolidation loans

Australian Lenders

Personalised Interest Rates

Debt consolidation loans

Multiple Lenders

Credit Score

No Credit Score Impact

Best match guarantee

$200 Best Match Guarantee

How we help you find the best debt consolidation loans

  1. Let us know who you are and what you're looking for. A little bit of information goes a long way in helping us find the right debt consolidation loans for you.

  2. Money Matchmaker® securely analyses your data against each lender. It finds the best loan offers that match your profile.

  3. Based on your situation, you'll see a range of qualified debt consolidation loan offers. Choose one and apply online today.

GET STARTED

In our debt consolidation loans guide:

1

3

5

7

2

4

6

8

1

2

3

4

5

6

7

8

Debt consolidation loan comparison Australia

Compare a selection of debt consolidation loan interest rates in Australia, with ranges based on the borrower's credit score and other factors. For personalised rates, see our comparison tool at the top of the page. The table is sorted by lowest comparison rate, factoring in the interest rate and most loan fees.

Plenti - Debt Consolidation Loan

Debt consolidation interest rates

6.57% p.a. to 24.09% p.a.

Comparison rate*

6.57% p.a. to 26.28% p.a.

Loan amounts

$5,000 - $50,000

Harmoney - Debt Consolidation Loan

Debt consolidation interest rates

5.76% p.a. to 24.03% p.a.

Comparison rate*

6.65% p.a. to 24.98% p.a.

Loan amounts

$2,000 - $70,000

NOW Finance - Debt Consolidation Loan

Debt consolidation interest rates

6.75% p.a. to 26.95% p.a.

Comparison rate*

6.75% p.a. to 26.95% p.a.

Loan amounts

$5,000 - $50,000

Pepper Money - Debt Consolidation Loan

Debt consolidation interest rates

6.75% p.a. to 26.95% p.a.

Comparison rate*

6.75% p.a. to 26.95% p.a.

Loan amounts

$5,000 - $50,000

Moneyplace - Debt Consolidation Loan

Debt consolidation interest rates

7.24% p.a. to 19.99% p.a.

Comparison rate*

7.24% p.a. to 21.49% p.a.

Loan amounts

Up to $80,000

Liberty Financial - Unsecured Personal Loan

Debt consolidation interest rates

7.24% p.a. to 19.99% p.a.

Comparison rate*

7.24% p.a. to 21.49% p.a.

Loan amounts

$5,000 - $80,000

ING - Personal Loan for Debt Consolidation

Debt consolidation interest rates

6.89% p.a. to 18.99% p.a.

Comparison rate*

7.10% p.a. to 19.23% p.a.

Loan amounts

$5,000 - $60,000

Our Money Market - Debt Consolidation Loan

Debt consolidation interest rates

6.57% p.a. to 18.99% p.a.

Comparison rate*

7.19% p.a. to 21.78% p.a.

Loan amounts

$2,001 - $75,000

Great Southern Bank - Debt Consolidation Loan

Debt consolidation interest rates

7.49% p.a. to 19.99% p.a.

Comparison rate*

7.74 % p.a. to 20.27% p.a.

Loan amounts

$5,000 - $75,000

Bank of Melbourne - Debt Consolidation Loan

Debt consolidation interest rates

6.89% p.a. to 19.99% p.a.

Comparison rate*

7.81% p.a. to 20.83% p.a.

Loan amounts

$2,000 - $50,000

BankSA - Debt Consolidation Loan

Debt consolidation interest rates

6.89% p.a. to 19.99% p.a.

Comparison rate*

7.81% p.a. to 20.83% p.a.

Loan amounts

$2,000 - $50,000

St.George Bank - Debt Consolidation Loan

Debt consolidation interest rates

6.89% p.a. to 19.99% p.a.

Comparison rate*

7.81% p.a. to 20.83% p.a.

Loan amounts

$2,000 - $50,000

NAB - Personal Loan for Debt Consolidation

Debt consolidation interest rates

6.99% p.a. to 20.49% p.a.

Comparison rate*

7.91% p.a. to 21.33% p.a.

Loan amounts

$5,000 - $55,000

ANZ - Personal Loan for Debt Consolidation

Debt consolidation interest rates

7.49% p.a. to 19.99% p.a.

Comparison rate*

8.18% p.a. to 20.58% p.a.

Loan amounts

$5,000 - $50,000

G&C Mutual Bank - Personal Loan for Debt Consolidation

Debt consolidation interest rates

7.99% p.a. to 16.99% p.a.

Comparison rate*

8.20% p.a. to 17.22% p.a.

Loan amounts

$1,000 - $90,000

Society One- Unsecured Debt Consolidation Loan

Debt consolidation interest rates

9.20% p.a. to 25.89% p.a.

Comparison rate*

9.20% p.a. to 26.31% p.a.

Loan amounts

$5,000 - $50,000

Westpac - Personal Loan for Debt Consolidation

Debt consolidation interest rates

7.99% p.a. to 20.49% p.a.

Comparison rate*

9.18% p.a. to 21.61% p.a.

Loan amounts

$4,000 - $50,000

Wisr - Debt Consolidation Loan

Debt consolidation interest rates

9.04% p.a. to 23.29% p.a.

Comparison rate*

9.88% p.a. to 24.56% p.a.

Loan amounts

$5,000 - $62,000

CommBank - Debt Consolidation Loan

Debt consolidation interest rates

8.49% p.a. to 20.49% p.a. (fixed); 8.00% p.a. to 20.00% p.a. (variable)

Comparison rate*

9.88% p.a. to 21.78% p.a. (fixed); 9.40% p.a. to 21.30% p.a. (variable)

Loan amounts

$4,000 - $50,000

Latitude Financial Services - Debt Consolidation Loan

Debt consolidation interest rates

9.49% p.a. to 29.99% p.a.

Comparison rate*

10.93% p.a. to 31.83% p.a

Loan amounts

From $5,000

MoneyMe - Debt Consolidation Loan

Debt consolidation interest rates

9.20% p.a. to 25.20% p.a.

Comparison rate*

10.58% p.a. to 26.58% p.a.

Loan amounts

$5,000 - $50,000

Fair Go Finance - Debt Consolidation Loan

Debt consolidation interest rates

21.90% p.a. - 25.90% p.a.

Comparison rate*

28.71% p.a. - 33.80% p..a

Loan amounts

$5,050 - $10,000

Jacaranda Finance - Debt Consolidation Loan

Debt consolidation interest rates

17.95% p.a. to 24.95% p.a.

Comparison rate*

32.40% p.a. to 39.63% p.a.

Loan amounts

$5,000 - $15,000

Debt consolidation interest ratesComparison rate*Loan amounts

Plenti - Debt Consolidation Loan

6.57% p.a. to 24.09% p.a.

6.57% p.a. to 26.28% p.a.

$5,000 - $50,000

Harmoney - Debt Consolidation Loan

5.76% p.a. to 24.03% p.a.

6.65% p.a. to 24.98% p.a.

$2,000 - $70,000

NOW Finance - Debt Consolidation Loan

6.75% p.a. to 26.95% p.a.

6.75% p.a. to 26.95% p.a.

$5,000 - $50,000

Pepper Money - Debt Consolidation Loan

6.75% p.a. to 26.95% p.a.

6.75% p.a. to 26.95% p.a.

$5,000 - $50,000

Moneyplace - Debt Consolidation Loan

7.24% p.a. to 19.99% p.a.

7.24% p.a. to 21.49% p.a.

Up to $80,000

Liberty Financial - Unsecured Personal Loan

7.24% p.a. to 19.99% p.a.

7.24% p.a. to 21.49% p.a.

$5,000 - $80,000

ING - Personal Loan for Debt Consolidation

6.89% p.a. to 18.99% p.a.

7.10% p.a. to 19.23% p.a.

$5,000 - $60,000

Our Money Market - Debt Consolidation Loan

6.57% p.a. to 18.99% p.a.

7.19% p.a. to 21.78% p.a.

$2,001 - $75,000

Great Southern Bank - Debt Consolidation Loan

7.49% p.a. to 19.99% p.a.

7.74 % p.a. to 20.27% p.a.

$5,000 - $75,000

Bank of Melbourne - Debt Consolidation Loan

6.89% p.a. to 19.99% p.a.

7.81% p.a. to 20.83% p.a.

$2,000 - $50,000

BankSA - Debt Consolidation Loan

6.89% p.a. to 19.99% p.a.

7.81% p.a. to 20.83% p.a.

$2,000 - $50,000

St.George Bank - Debt Consolidation Loan

6.89% p.a. to 19.99% p.a.

7.81% p.a. to 20.83% p.a.

$2,000 - $50,000

NAB - Personal Loan for Debt Consolidation

6.99% p.a. to 20.49% p.a.

7.91% p.a. to 21.33% p.a.

$5,000 - $55,000

ANZ - Personal Loan for Debt Consolidation

7.49% p.a. to 19.99% p.a.

8.18% p.a. to 20.58% p.a.

$5,000 - $50,000

G&C Mutual Bank - Personal Loan for Debt Consolidation

7.99% p.a. to 16.99% p.a.

8.20% p.a. to 17.22% p.a.

$1,000 - $90,000

Society One- Unsecured Debt Consolidation Loan

9.20% p.a. to 25.89% p.a.

9.20% p.a. to 26.31% p.a.

$5,000 - $50,000

Westpac - Personal Loan for Debt Consolidation

7.99% p.a. to 20.49% p.a.

9.18% p.a. to 21.61% p.a.

$4,000 - $50,000

Wisr - Debt Consolidation Loan

9.04% p.a. to 23.29% p.a.

9.88% p.a. to 24.56% p.a.

$5,000 - $62,000

CommBank - Debt Consolidation Loan

8.49% p.a. to 20.49% p.a. (fixed); 8.00% p.a. to 20.00% p.a. (variable)

9.88% p.a. to 21.78% p.a. (fixed); 9.40% p.a. to 21.30% p.a. (variable)

$4,000 - $50,000

Latitude Financial Services - Debt Consolidation Loan

9.49% p.a. to 29.99% p.a.

10.93% p.a. to 31.83% p.a

From $5,000

MoneyMe - Debt Consolidation Loan

9.20% p.a. to 25.20% p.a.

10.58% p.a. to 26.58% p.a.

$5,000 - $50,000

Fair Go Finance - Debt Consolidation Loan

21.90% p.a. - 25.90% p.a.

28.71% p.a. - 33.80% p..a

$5,050 - $10,000

Jacaranda Finance - Debt Consolidation Loan

17.95% p.a. to 24.95% p.a.

32.40% p.a. to 39.63% p.a.

$5,000 - $15,000

Debt consolidation loan comparison based on products analysed by Money.com.au advertising a high and low interest rate range. Rates are current as of 20 February 2024. Check with the provider for full current loan details, including rates, fees, eligibility and terms and conditions. While this is an extensive list of debt consolidation loans available in Australia, not all loans in the market are shown. This list is for reference only and does not reflect the selection of loans you may see if you get a personalised debt consolidation loan quote through Money.com.au. *The comparison rate is based on a secured/unsecured fixed rate personal loan of $30,000 over 5 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

Credit card consolidation loans

What is debt consolidation?

Debt consolidation means combining multiple debts into a single loan to make them more manageable. It can help you pay off your debt faster while saving on interest and fees.

Let's say you have multiple personal loans, credit card debt, buy now pay later accounts and other debts with various providers.

With debt consolidation, you join the debts together into a single personal loan, ideally one with a lower interest rate, low fees and flexible repayment options.

Australia's Money Matchmaker matching you with your best loans across multiple lenders
Debt consolidation is by far the most common reason people look for a personal loan in Australia, according to real loan data from Money.com.au. More than half (57%) of all loan requests are for debt consolidation, with an average loan request of $22,573.

Benefits of consolidating debt

wavewave

1

You turn multiple debts into a single amount that can be repaid weekly, fortnightly or monthly.

2

The loan term is fixed, with a structured timeframe for repaying the debt. Choose a term from 1-7 years.

3

Personal loan interest rates are often lower than other forms of debt (like credit cards). This saves you money.

How do debt consolidation loans work?

A debt consolidation loan works like any other personal loan, but is designed to help you combine and pay off existing debts, rather than take on extra debt for a new purchase or expense.

For example, credit card consolidation loans are a common option.

Debt consolidation loans generally allow you to borrow between $2,000 and $50,000 (depending on the lender) and repay it over a period of 1-7 years.

Most lenders that offer personal loans allow their loans to be used for debt consolidation. Your application for a debt consolidation loan will be subject to the lender’s assessment criteria, including a credit check.

Debt consolidation loan case study

Let’s take the example of a person with a $7,000 credit card debt at an interest rate of 18%, plus a $3,000 personal loan at 15% interest with three years left on the loan term. Here’s the difference combining these debts into a debt consolidation loan at 14% interest over four years could make.

Current situationDebt consolidation

Credit card repayment

$174/month

$0

Personal loan repayment

$104/month

$0

Total repayment

$278/month across two separate payments

$273 in a single payment

Total interest cost

$4,294

$3,117

Interest saved

-$1,177

This example assumes the borrower pays the same amount towards their credit card balance each month in the current scenario. The calculation does not factor in loan or credit card fees that may apply in either the current or debt consolidation scenario. This is a hypothetical scenario based on the details described only, and assumes the borrower makes their debt consolidation loan repayments on time every month until the loan is repaid. This may not reflect the outcome of debt consolidation in other scenarios.

How to consolidate debt in 5 steps

1

Make a list of the debts you want to consolidate

Add up the balances of each to arrive at the total debt amount for consolidating. Make a note of the interest rate you’re being charged on each and how long the term is.

2

Check your credit report and score

This will give you an idea of whether you’ll be eligible for a debt consolidation loan. If you’ve defaulted (missed repayments) on your current loans, you may not be eligible for a new loan.

3

Compare debt consolidation loans

Consider your desired loan amount, the interest rate you’re currently paying on your debts and the loan term. Ideally you want a lower interest rate and a shorter term. Only compare loans from reputable lenders.

4

Apply for the loan that best fits your needs

You’ll need to give the lender details about your existing loans by providing loan/credit card statements, as well as information about other aspects of your financial situation (e.g. income and expenses).

5

Clear your existing debts using the new loan

If you're approved, the lender will either pay the debt consolidation loan funds to you for you to pay off your other debts, or arrange for the money to be sent directly to your other lenders to settle those debts.

Australia's Money Matchmaker matching you with your best loans across multiple lenders
Make sure your existing debts are paid off in full and the accounts are closed so you’re not tempted to take on new debt.

Best debt consolidation loan interest rates in Australia

Currently, the lowest debt consolidation loan interest rates in Australia start from 6.00 - 7.00% p.a.

Borrowers with a good credit rating will be eligible for the cheapest debt consolidation interest rates. But rates for some individuals will be higher. For example, for bad credit debt consolidation loans, interest rates generally start from 15-20%.

To give you an idea of the rates real borrowers typically pay, the average interest rate quoted on a debt consolidation loan is 14.64% p.a., based on thousands of loan requests analysed by Money.com.au.

This is slightly higher than the overall average interest rate for all personal loan purposes (13.87% p.a.). But to put it into perspective, the average interest rate on credit card balances incurring interest is over 18%.

On top of your credit rating, factors like your income, employment status and whether the loan is secured or not could impact your loan interest rate.

Compare loans in 60 seconds

Get your personalised debt consolidation loan rates

See what debt consolidation rates you actually qualify for by comparing multiple lenders at once.

GET STARTEDGET STARTED

How to find the best debt consolidation loans and lenders

Here are Money.com.au's top tips for getting the best deal on a debt consolidation loan.

1. Find the lowest debt consolidation loan interest rate you qualify for

Look for a rate that’s lower than what you’re paying on your existing debts. But when comparing loans, don't assume that a lender’s headline advertised rate will be the rate you pay. Your actual rate could be higher (see example below). This is why getting personalised rates from multiple lenders is important.

Debt consolidation loan interest rates

2. Watch out for high loan fees

Consider all the fees you could end up paying on your debt consolidation loan. That means application and establishment fees, ongoing fees and early repayment fees. The loan’s comparison rate will include most of the loan fees. If you see a debt consolidation loan with a comparison rate that’s much higher than the interest rate, the difference is made up by fees.

Debt consolidation loans fees
Australia's Money Matchmaker matching you with your best loans across multiple lenders
Don't forget you may also need to pay fees to your existing lenders to close off your debts as part of the debt consolidation process.

4. Get the shortest loan term you can afford

Choose your loan term carefully and factor it in when calculating the overall cost of your debt consolidation loan. A low regular repayment over a long loan term could end up costing you more than a high regular repayment for a shorter term. Here’s an example of the impact the loan term van have from our debt consolidation loan calculator.

Debt consolidation loan term

5. Look for repayment flexibility

Look for options like a choice of weekly, fortnightly or monthly repayments, plus the ability to repay the loan early if you can afford to chip away at the balance with extra repayments. Just watch out for lenders that charge fees for this convenience.

6. Match the loan amount to your existing debt

Avoid adding to your debt by borrowing more than you need to cover the debts you are consolidating.

In summary....

Comparing debt consolidation loans

Who is eligible for a debt consolidation loan?

You can apply for a debt consolidation loan in Australia if you are:

  • Over the age of 18; and
  • An Australian citizen or permanent resident; and
  • Employed or have another regular source of income

Lenders will also look closely at your financial situation before deciding if you’re eligible. They'll consider:

  • Your credit history and credit score
  • Your income level
  • Your employment history
  • Your expenses
  • Any other debts you have (on top of what you’re consolidating)
  • What assets you own (e.g. a home or car)

The lender will ask to see evidence such as bank statements and payslips to demonstrate your financial position.

When can a debt consolidation loan help?

“People struggling financially usually have less planning or structure to manage their debts. Personal loans on the other hand have a fixed repayment,” David explained.

“Generally once a structured repayment arrangement is in place, the more people see the debt reducing and the faster they make the payments to clear the debt. It’s not true for everyone but it has been the general trend we have observed.”

When might a debt consolidation loan not suit?

According to David, there’s a big difference between how a debt consolidation loan can help in theory and knowing whether it is the right solution for you.

People can “rely too heavily on a lender’s view,” he said. “If the lender approves it, then it must be ok? But that isn’t necessarily the case.”

Instead he said borrowers should look at their own budget to figure out if the new loan is affordable in the long run.

Get advice if you need it

David Berry

“Talk to a financial counsellor or the National Debt Helpline (1800 007 007) to see what other options you might have available. Having an independent person to help you can do wonders for your confidence and your ability to come up with something realistic for your circumstances.”

David Berry, CEO of Way Forward

Debt Consolidation Personal Loan FAQs

Unlike debt consolidation, with payment consolidation you keep the debts separate but arrange them so that all the payments are made at the same time each week, fortnight or month.

This way it seems like you have a single repayment.

You could also negotiate with the individual lenders on the repayment amounts at the same time if needed.

There's no minimum credit score for getting a debt consolidation loan in Australia. But some individual lenders (particularly the major banks) may have limits.

Whether or not your application is approved will come down to a combination of factors. For example, if you can demonstrate that you will be able to comfortably meet the loan repayments, you may be approved for a debt consolidation loan, even with a bad credit score.

But your credit score will likely impact what interest rate you pay.

Here's an estimate of how different credit score levels (based on how credit reporting company Equifax groups them) could impact your interest rate:

  • Excellent credit score (853 to 1,200): Usually these borrowers have access to a lender's lowest debt consolidation interest rates.

  • Very good credit score (735 to 852): Depending on the lender, your interest rate may be 2-3% higher than borrowers with an excellent credit score.

  • Good credit score (661 to 734): Your interest rate could be around 5-6% higher than the lender's lowest advertised rate.

  • Average credit score (460 to 660): Your interest rate could be 8-9% higher than the lowest rate available.

  • Below average credit score (0 to 459): Your choice of lenders is likely to be quite limited and you may only have access to very high interest rates, starting from around 20-25% p.a. and potentially higher in some cases.

Not usually. Provided you meet the lender’s credit criteria, your debt consolidation loan should have a similar interest rate to comparable personal loan products.

Yes, most lenders offer unsecured debt consolidation loans. These may have higher interest rates than secured loans but won’t require you to use your assets as security.

Every case is different and the answer to this question will depend on your home loan and the debts you're consolidating.

However, because home loans generally have longer terms than other forms of household debt, consolidating other debts into your mortgage could end up costing you more in the long run.

If you're eligible for the loan, the application process for a debt consolidation loan can be quite quick and straightforward. It’s similar to refinancing a personal loan.

With most lenders you can complete the process online and your loan could be approved and funded the same day in some instances.

For borrowers with more complicated circumstances, such as having bad credit, it can take longer and you may need to provide additional evidence to support your application.

Self employed borrowers may need to follow a different process to prove their income and this could take longer.

Consolidating your debt requires a new credit application which may have a short-term impact on your credit score. However, if consolidating your debt makes repaying your debt more manageable (and less likely you will miss repayments), this may help you pay off your debt faster which could help improve your credit score in the long-run.

Compare loans in 60 seconds

Ready to compare debt consolidation loans?

Get your best offers from multiple lenders. There's no obligation and checking your rates won't impact your credit score.

GET STARTEDGET STARTED

Personal Loans guides and resources

The great thing about personal loans is they can fund almost anything. They are perfect when you need that bit extra to cover expenses, start a project or reset your finances to get back on track.

Hear from people who found the right loan           

Waving Robot

Written by

Sean Callery Editor Money.com.au

Editor

Sean Callery

Reviewed by

Shaun McGowan Money.com.au founder

Loans Expert

Shaun McGowan

AS FEATURED IN

*Information about comparison rates Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rate is based on an unsecured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

logo

Our Money Promise

Money Pty Ltd (trading as Money) Australian Credit Licence 528698 provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. Money does not compare every Lender all products or issuers available in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product.

This material has been prepared by Money Pty Limited (ABN 40 664 954 536) (Money, ‘us’ or ‘we’). Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C). The material is for general information only and is not an offer for the purchase or sale of any financial product or service. The material is not intended to provide you with financial or tax advice and does not take into account your objectives, financial situation or needs. Although we believe that the material is correct, no warranty of accuracy, reliability or completeness is given, except for liability under statute which cannot be excluded. Please note that past performance may not be indicative of future performance and that no guarantee of performance, the return of capital or a particular rate of return is given by 62C, Money, any of their related body corporates or any other person. To the maximum extent possible, 62C, Money, their related body corporates or any other person do not accept any liability for any statement in this material.

The calculator provided on money.com.au is intended for informational and illustrative purposes only. The results generated by this calculator are based on the inputs you provide and the assumptions set by us. These results should not be considered as financial advice or a recommendation to buy or sell any financial product. By using this calculator, you acknowledge and agree to the terms set out in this disclaimer. For more detailed information, please review our full terms and conditions on the website.

Assumptions:

  • The calculations do not account for changes in interest rates or other market conditions that may occur.
  • Results are approximations and may differ from actual payment schedules or amounts.
  • The calculator does not include all fees and charges that you may incur in relation to a financial product.

Limitation

  • This calculator does not guarantee the availability of any financial product or the accuracy of the calculations. Please consult a financial advisor or the relevant product provider to obtain specific advice tailored to your circumstances.
  • money.com.au does not accept any liability for errors or omissions, or for any loss you may suffer as a result of relying on these calculations.
Money Pty Ltd trading as Money

ABN: 42 626 094 773 / ACL: 528698 / AFCA: 83955
Money is a corporate authorised representative (CAR 001307399) of 62 Consulting Pty Limited (ABN 88 664 809 303) (AFSL 548573) (62C)
aboriginal-and-torres-strait

Money acknowledges Aboriginal and Torres Strait Islanders as the traditional custodians of country throughout Australia and their continuing connection to land, waters and community.

© Copyright 2024 Money Pty Ltd.