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You've probably seen me talk about equity, consolidation and cash flow. Here's the short version, plus a two-minute check you can run yourself.
See what consolidating your high-interest debt could look like.
Enter 4 numbers. We compare your current mortgage + minimum debt payments against one simpler mortgage payment at 5% over 30 years.
Fixed for this scenario
- 5%
- New mortgage rate
- 30 yrs
- Amortization
- 18%
- Rate on unsecured debt
Monthly Impact
Assumptions
- New mortgage priced at 5% over a 30-year amortization, monthly, semi-annual compounding.
- Unsecured debt carries 18% interest with a 3% minimum monthly payment.
- Refinancing capped at 80% of your estimated home value.
- Penalties, legal, appraisal and discharge costs are not included.
This is an illustration, not a mortgage approval or financial recommendation. Actual results depend on interest rates, penalties, lender guidelines, qualification and your full financial situation.
Or just tell me what's going on
No pressure and no credit check to start. I'll come back with the honest version, including if the answer is "wait until your renewal".
Step 1 of 3
Get your personalised plan
Three quick steps. No credit check, no application, no obligation — just a clear read on your options.