ATO debt consolidation finance

Clear ATO debt with one property-backed facility

If you own property, you can roll outstanding tax debt into a single facility at single-digit rates, up to $5-6m. No up-to-date financials needed, and we work with lenders who are comfortable with ATO debt.

$5-6m Single-digit 40+

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Up to $5-6M
Serious facilities for serious moves
Single-digit rates
Priced like a home loan, for business
No financials needed
Low-doc friendly, ATO debt workable
New businesses welcome
No long ABN history required

ATO debt is common, and it is fixable

Stop the ATO pressure, protect the business

Falling behind with the ATO happens to good businesses, and it is more common than most owners realise. The problem is the pressure: payment plans, interest charges, garnishee notices and the worry that it spreads to suppliers and staff. If you own property, there is a clean way out.

A property-backed facility lets you pay the ATO out in full and consolidate that debt, plus other higher-rate balances, into one manageable repayment at single-digit rates. Because the loan is secured against property, lenders care far less about the usual hoops, so there are no up-to-date financials to pull together and recent ATO debt is workable rather than a dead end. Ventas Asset Lending arranges these facilities across a panel of more than 40 lenders, including specialists who deal with ATO debt every day, so you are matched to one comfortable with your situation.

What you can use it for

Put the facility to work however your business needs it.

Pay out ATO debt in full

Settle your outstanding tax bill in one go and end the payment-plan pressure, interest and follow-up letters.

Consolidate ATO and other debts

Roll tax debt together with other higher-rate business balances into a single property-secured facility and one repayment.

Stop garnishee and recovery action

Clear the debt before the ATO escalates to garnishee notices or director penalty notices that put the business at risk.

Refinance an existing ATO payment plan

Replace a tight ATO arrangement with a longer-term, single-digit facility that frees up monthly cashflow.

Protect your ABN and credit standing

Settle tax debt before it is reported or affects your ability to bid for work, win contracts or access future finance.

Release breathing room for the business

Once the ATO is paid out, the business has room to trade, pay suppliers and staff, and get back on the front foot.

$5-6M
Maximum facility size
Single‑digit
Interest rates, secured against property
40+
Lenders on our panel

Why businesses choose Ventas

01

Property is the way in

ATO debt closes a lot of doors. Property security opens them. Because the facility is secured against residential, commercial or investment property, lenders can refinance tax debt that unsecured lenders would refuse outright. You will need property to secure it, and that is exactly what makes this possible.

02

No up-to-date financials needed

You do not need to pull together current tax returns or full financials, which is fortunate when you are behind with the ATO. These facilities are low-doc and no-doc friendly, with the focus on the property and the plan rather than red tape. That is also what makes them fast.

03

Single-digit rates, one repayment

Because property secures the loan, you consolidate at single-digit rates instead of the high cost of ATO interest charges and unsecured debt. Several balances become one manageable repayment, which is usually cheaper and far simpler to live with.

Have ATO debt and own property? Let us take a look.

There is no judgement here. Tax debt is common and it is fixable, and the sooner it is handled the more options you have. Tell us roughly how much is owed and what property you can offer as security, and we will tell you what is possible. The quote is free and costs you nothing upfront.

Check what you qualify for

Free repayment estimator

See an indicative monthly repayment

Indicative monthly repayment
$16,604
per month, principal & interest
Total interest$1,985,000
Total repaid$3,985,000

Estimate only and not an offer of finance. Actual rates, terms and repayments depend on the security property, the lender and your circumstances. Get a free rate quote for real numbers.

Get my real numbers

ATO debt consolidation finance, Australia-wide

We arrange property-secured facilities to consolidate ATO debt right across the country. Wherever the property is, we can help you settle the tax debt and move on.

Albion Park Albury Alexandria Annandale Armidale Arncliffe Artarmon Ashfield Auburn Avalon Beach Ballina Balmain Bankstown Banora Point Bass Hill Bateau Bay Batemans Bay Bathurst Baulkham Hills Beaumont Hills Beecroft Bellevue Hill Belmore Belrose Berala Berkeley Vale Beverly Hills Bexley Blacktown Bondi Bondi Beach Bondi Junction Bonnyrigg Bossley Park Botany Bowral Bradbury Broken Hill Burwood Byron Bay Cabramatta Cameron Park Campbelltown Camperdown Campsie Canley Heights Canley Vale Canterbury Caringbah Caringbah South Carlingford Casino Castle Hill Casula Central Coast Cessnock Charlestown Chatswood Cherrybrook Chester Hill Chipping Norton Coffs Harbour Colyton Concord Condell Park Coogee Cooma Cowra Cranebrook Cremorne Cronulla Croydon Park Dapto Darlinghurst Dee Why Denham Court Deniliquin Doonside Drummoyne Dubbo Dulwich Hill Earlwood East Maitland Eastwood Edensor Park Edmondson Park Engadine Ermington Erskineville Fairfield Fairfield West Figtree Five Dock Forestville Forster Frenchs Forest Freshwater Georges Hall Gladesville Glebe Glen Innes Glenfield Glenmore Park Glenwood Goonellabah Gordon Gorokan Goulburn Grafton Granville Green Valley Greenacre Gregory Hills Greystanes Griffith Guildford Gunnedah Hamlyn Terrace Harrington Park Hay Hinchinbrook Homebush Homebush West Hornsby Horsley Hunters Hill Hurstville Ingleburn Inverell Jerrabomberra Jordan Springs Karabar Katoomba Kellyville Kellyville Ridge Kempsey Kensington Killara Kings Langley Kingsford Kingsgrove Kingswood Kirrawee Kogarah Lakemba Lane Cove Lane Cove North Lavington Leeton Leichhardt Leppington Leumeah Lidcombe Lindfield Lismore Lithgow Liverpool Lurnea Macquarie Fields Macquarie Park Maitland Manly Maroubra Marrickville Marsden Park Marsfield Mascot Matraville Mayfield Medowie Menai Merewether Merrylands Minto Miranda Mona Vale Moorebank Moree Mortdale Mosman Moss Vale Mount Annan Mount Druitt Mount Pritchard Mudgee Muswellbrook Narrabri Neutral Bay New Lambton Newcastle Newtown North Bondi North Kellyville North Parramatta North Rocks North Ryde North Sydney Northmead Nowra Oatley Oran Park Orange Paddington Padstow Panania Parkes Parramatta Peakhurst Penrith Penshurst Plumpton Port Macquarie Prestons Punchbowl Pymble Pyrmont Quakers Hill Queanbeyan Randwick Raymond Terrace Redfern Revesby Rhodes Richmond Riverstone Riverwood Rockdale Rooty Hill Rose Bay Roselands Roseville Rouse Hill Rozelle Rutherford Ryde Sans Souci Schofields Seven Hills Singleton Smithfield South Penrith Spring Farm St Clair St Ives St Marys Stanhope Gardens Strathfield Surry Hills Sutherland Sydney Sylvania Tamworth Taree Terrigal The Ponds Thornleigh Thornton Thurgoona Toongabbie Tumut Turramurra Tweed Heads Ulladulla Umina Beach Vaucluse Wagga Wagga Wahroonga Wallsend Waterloo Wattle Grove Wentworth Point Wentworthville West Hoxton West Pennant Hills West Ryde Westmead Wetherill Park Wiley Park Windsor Winston Hills Wolli Creek Wollongong Woonona Woy Woy Wyoming Yagoona Yass Young Zetland Abbotsford Alfredton Altona Altona Meadows Altona North Ararat Armstrong Creek Ascot Vale Avondale Heights Bairnsdale Ballarat Balwyn Balwyn North Bayswater North Beaumaris Belmont Benalla Bendigo Bentleigh Bentleigh East Berwick Blackburn Blackburn South Boronia Box Hill Box Hill North Braybrook Bright Brighton Brighton East Broadmeadows Brookfield Brunswick Brunswick East Brunswick West Bulleen Bundoora Burwood East Cairnlea Camberwell Carlton Carnegie Caroline Springs Carrum Downs Castlemaine Caulfield North Caulfield South Chadstone Cheltenham Chirnside Park Clayton Clayton South Clyde Clyde North Cobram Coburg Colac Collingwood Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Darley Deer Park Derrimut Diamond Creek Dingley Village Docklands Doncaster Doncaster East Donvale Doreen Doveton Drouin Echuca Elsternwick Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Fitzroy Fitzroy North Footscray Forest Hill Frankston Frankston South Fraser Rise Geelong Gisborne Glen Iris Glen Waverley Glenroy Golden Square Greensborough Greenvale Grovedale Hallam Hamilton Hampton Hampton Park Harkness Hastings Hawthorn Hawthorn East Heathmont Highett Highton Hillside Hoppers Crossing Horsham Ivanhoe Kangaroo Flat Keilor Downs Keilor East Kerang Kew Keysborough Kialla Kilmore Kilsyth Kurunjang Kyneton Lalor Langwarrin Lara Leopold Lilydale Lynbrook Lyndhurst Macleod Maidstone Mallacoota Malvern Malvern East Manor Lakes Maribyrnong Meadow Heights Melbourne Melton Melton South Melton West Mentone Mernda Mickleham Mildura Mill Park Mitcham Moe Montmorency Moonee Ponds Mooroolbark Mordialloc Mornington Morwell Mount Eliza Mount Evelyn Mount Martha Mount Waverley Mulgrave Murrumbeena Myrtleford Narre Warren Narre Warren South Newport Nhill Noble Park Norlane North Melbourne Northcote Nunawading Oakleigh South Ocean Grove Officer Omeo Pakenham Parkdale Pascoe Vale Pascoe Vale South Point Cook Port Melbourne Portland Prahran Preston Reservoir Ringwood Ringwood East Ringwood North Rosanna Rosebud Rowville Roxburgh Park Rye Sale Sandringham Seaford Sebastopol Seymour Shepparton Somerville South Melbourne South Morang South Yarra Southbank Springvale Springvale South St Albans St Arnaud St Kilda St Kilda East Stawell Strathmore Sunbury Sunshine Sunshine North Sunshine West Surrey Hills Swan Hill Sydenham Tarneit Taylors Hill Taylors Lakes Templestowe Templestowe Lower Thomastown Thornbury Toorak Torquay Traralgon Truganina Vermont Vermont South Wallan Wangaratta Wantirna Wantirna South Warragul Warrnambool Wendouree Werribee West Footscray West Wodonga Wheelers Hill Whittlesea Williams Landing Williamstown Wodonga Wollert Wyndham Vale Yarraville Yarrawonga Albany Creek Alexandra Hills Algester Andergrove Annerley Arundel Ashgrove Ashmore Aspley Atherton Ayr Bardon Bargara Beaudesert Bellbird Park Benowa Biggenden Biggera Waters Biloela Birkdale Bli Bli Boondall Bowen Bracken Ridge Brassall Bray Park Bridgeman Downs Brisbane Brisbane City Browns Plains Buderim Bundaberg Burleigh Heads Burleigh Waters Burpengary Burpengary East Caboolture Cairns Calamvale Caloundra Camp Hill Capalaba Carina Carindale Carrara Carseldine Chapel Hill Charleville Charters Towers Chermside Clayfield Clermont Cleveland Collingwood Park Collinsville Coolum Beach Coombabah Coomera Coorparoo Crestmead Cunnamulla Currumbin Waters Dalby Deception Bay Eagleby Edmonton Eight Mile Plains Elanora Emerald Emu Park Everton Park Ferny Hills Forest Lake Fortitude Valley Frenchville Gladstone Gold Coast Goodna Goondiwindi Gracemere Greenbank Griffin Gympie Harristown Helensvale Hervey Bay Highfields Holland Park Home Hill Hope Island Inala Indooroopilly Innisfail Ipswich Kallangur Kangaroo Point Kearneys Spring Kedron Kelso Kenmore Kingaroy Kippa-Ring Kirwan Kuraby Labrador Little Mountain Logan Loganlea Longreach Mackay Mango Hill Manly West Mansfield Mareeba Maroochydore Marsden Maryborough Mermaid Waters Miles Mitchelton Mooloolaba Moorooka Moranbah Morayfield Moreton Bay Morningside Mount Gravatt East Mount Isa Mount Louisa Mount Sheridan Mountain Creek Mudgeeraba Murrumba Downs Nambour Narangba Nerang New Farm Noosa Noosaville Norman Gardens North Lakes Nundah Ormeau Oxenford Oxley Pacific Pines Palm Beach Parkinson Parkwood Peregian Springs Petrie Pimpama Proserpine Raceview Rangeville Redbank Plains Redcliffe Redland Bay Redlands Redlynch Regents Park Robina Rochedale South Rockhampton Roma Runaway Bay Runcorn Sarina Shailer Park Sippy Downs Slacks Creek South Brisbane Southport Springfield Lakes Springwood St George St Lucia Stanthorpe Strathpine Sunnybank Sunnybank Hills Sunshine Coast Surfers Paradise Taringa Tarragindi Tewantin The Gap Thornlands Toowong Toowoomba Townsville Upper Coomera Upper Mount Gravatt Urangan Varsity Lakes Victoria Point Wakerley Warner Warwick Wavell Heights Wellington Point West End Wishart Woodridge Woolloongabba Wynnum Wynnum West Yarrabilba Yeppoon Zillmere Albany Alkimos Armadale Atwell Australind Aveley Balcatta Baldivis Balga Ballajura Banksia Grove Bassendean Bayswater Beckenham Beechboro Beeliar Bentley Brabham Broome Bunbury Busselton Butler Byford Canning Vale Carnarvon Claremont Clarkson Cloverdale Collie Como Dalyellup Dampier Dianella Doubleview Duncraig East Perth East Victoria Park Eaton Ellenbrook Esperance Exmouth Floreat Forrestfield Fremantle Geraldton Girrawheen Gosnells Greenfields Greenwood Halls Head Hamilton Hill Harrisdale Harvey High Wycombe Hillarys Huntingdale Innaloo Joondalup Kalgoorlie Kardinya Karratha Karrinyup Katanning Kelmscott Kingsley Landsdale Leeming Maddington Mandurah Manjimup Marangaroo Margaret River Maylands Meadow Springs Merredin Midland Morley Mosman Park Mount Lawley Narrogin Nedlands Newman Nollamara North Perth Northam Padbury Perth Piara Waters Port Hedland Port Kennedy Quinns Rocks Rivervale Rockingham Scarborough Secret Harbour Seville Grove South Bunbury South Hedland South Perth Southern River Spearwood Stirling Subiaco Success Tapping Thornlie Tom Price Victoria Park Waikiki Wanneroo Warnbro Wellard Wembley West Busselton Willetton Woodvale Yanchep Yokine York Aberfoyle Park Adelaide Aldinga Beach Andrews Farm Athelstone Berri Blakeview Bordertown Ceduna Clare Craigmore Elizabeth Flagstaff Hill Gawler Golden Grove Greenwith Hallett Cove Happy Valley Ingle Farm Kadina Keith Loxton Magill Marion Mawson Lakes Modbury Morphett Vale Mount Barker Mount Gambier Murray Bridge Naracoorte Parafield Gardens Paralowie Port Augusta Port Lincoln Port Pirie Prospect Renmark Salisbury Salisbury East Salisbury North Seaton Streaky Bay Tea Tree Gully Victor Harbor Waikerie Wallaroo Whyalla Woodcroft Burnie Campbell Town Devonport Glenorchy Hobart Howrah Huonville Kingston Launceston New Norfolk Queenstown Rosebery Ross Sandy Bay Smithton Sorell St Helens Ulverstone Zeehan Belconnen Canberra Gungahlin Kambah Ngunnawal Tuggeranong Woden Alice Springs Darwin Katherine Palmerston

Common questions

ATO Debt Consolidation, explained

How much can I borrow to clear ATO debt?

Facilities typically run up to $5-6m, depending on the value and type of your security property and the size of the debt. There is no single cap that fits everyone, so the fastest way to get a real figure is a free rate quote.

Do I need to own property to do this?

Yes. This is a property-secured facility, so you will need to own property to use it. Residential, commercial or investment property can all work, and it does not have to be the property the business operates from. If you hold equity in property, it can usually be put to work. If you do not own property, an unsecured option may suit you better, so tell us your scenario and we will point you the right way.

I have ATO debt. Is that actually a problem for lenders?

Not on our panel. Many of our 40-plus lenders work with ATO debt every day, and a property-backed facility is one of the most common ways to clear or consolidate it. The fact that you have tax debt is the reason you are here, not a reason to be turned away.

Do I need up-to-date financials or tax returns?

No. Because the loan is secured against property, most lenders on our panel do not require current financials or tax returns. These are low-doc and no-doc friendly facilities, which is what makes them fast and practical when you are already behind with the ATO.

What rate will I pay?

Property-backed consolidation sits in single-digit territory, priced far closer to a home loan than to ATO interest charges or unsecured business debt. Your exact rate depends on the property, the lender and the structure. Use the repayment estimator for a rough idea, then get a quote for the real number.

How fast can the ATO be paid out?

Property-backed finance involves a valuation, so it is not instant, but it moves quickly when the security is clear, and clearing ATO debt is a priority lenders understand. The sooner we have your scenario, the sooner we can give you a realistic timeline.