Debt consolidation calculator
List what you owe and what it costs each month, then see the same debts rolled into your home loan: the repayment relief, and the honest interest comparison.
Tip: keep the payoff term short. The saving comes from the low rate and a short term, not the rate alone.
Your monthly repayments, side by side
$1,230Estimate only. "Interest left on current path" assumes you keep paying each debt's current monthly repayment until it clears. Consolidation figures assume the debts are added to a home loan split at the rate and term entered, subject to equity, lender policy and serviceability. Excludes fees. Results are not a quote, loan offer or pre-approval.
The rate is only half the trick
Moving a 20% credit card to a 6% home loan is an enormous rate cut, but if the balance then dawdles along for 30 years, the total interest can quietly exceed what the card would have cost. That's why this calculator asks how fast you'll pay the consolidated amount off, and why we set it up as a separate short-term split rather than blending it into your 30-year loan.
If the numbers above look worthwhile, the next step is checking your equity and which lenders will take your situation. Nathan does both in a free 30-minute call.
Hear from our happy homeowners.
Calculators guess. Nathan checks.
A free 30-minute call gets you the real numbers: your equity, the lenders that fit, and a consolidation structure that actually saves money.