Debt Consolidation Calculator
See how much you could save by consolidating your debts into your home loan
Step 1: Your Current Debts
Current Situation Summary
Total Debt
$0
Monthly Payments
$0
Avg. Interest Rate
0.00%
Step 2: Your Home Details
Check recent sales on realestate.com.au or domain.com.au
Typical range: 6.0% - 7.5% for home loan consolidation
Typical range: $1,500 - $3,000 (application, valuation, legal)
Your Equity Position
Total Equity
$0
(0% of home value)
Available to Borrow
$0
(maintaining 20% equity)
You Could Save
$ 0 /month
That's $ 0 per year!
Enter your details to see your complete savings breakdown and personalized action plan
Congratulations, there !
Here's your personalized debt consolidation analysis
Monthly Savings
$ 0
Annual Savings
$ 0
Before vs After
✕ Current Situation
Total Debt
$ 0
Monthly Payments
$ 0
Weighted Avg. APR
0 %
Annual Interest
$ 0
Number of Payments
0 different bills
✓ After Consolidation
Total Debt
$ 0
(same amount, better rate)
Monthly Payment
$ 0
Save $ 0 /month!
New APR
0 %
Annual Interest
$ 0
Save $ 0 /year!
Number of Payments
1 simple payment
Your Current Debts
⚠️ Important Considerations
- • Longer repayment term: While monthly payments are lower, consolidating into a 25-30 year mortgage means you'll pay more interest over the life of the loan if you only make minimum payments.
- • Refinancing costs: Estimated fees of $ 0 will be added to your loan. You'll recoup this in 0 months of savings.
- • Use your savings wisely: Many clients redirect their monthly savings back to the mortgage to pay it off faster, getting the best of both worlds.
- • This is an estimate: Actual rates and approvals depend on your individual circumstances, lender policies, and current market rates.
Ready to Make This Happen?
Book a free 30-minute assessment to confirm these numbers and start your debt consolidation journey
In your free consultation, I'll:
- ✓ Verify your exact borrowing capacity
- ✓ Get your property professionally valued
- ✓ Compare lenders to find you the best rate
- ✓ Create your personalized action plan
- ✓ Answer all your questions
Or call directly: 0428 522 123
LendAU Mortgage Brokerage
Catherine Jones | Principal Broker
20+ years experience | 696 Bourke Street | Serving all of Australia
📧 catherine@lendau.au | 📱 0428 522 123
This calculator provides estimates only. Actual rates, fees, and savings will vary based on your individual circumstances. Professional advice should be sought before making financial decisions.
