Hmmm have you shopped around with various banks? A few years back we had a $20,000 loan for stamp duty, once we had settled the property & started paying the mortgage, the bank let us consolidate it - we put it on top of the mortgage & just had the one payment. That was with westpac, so it can be done. As for renting & saving a deposit etc, yes its hard but keep at it. I suggest you speak to a finance broker, they will help you find a home loan thats right for you & will more than likely be able to help you with your personal loan debt. There are some great offers from the govt. at the moment for first home buyers.