RC
Refinance & Consolidation
Refinance & debt-consolidation modelling
Refinance & consolidation
Roll the debts into one — and pay it off faster.
Model a refinance on its own, or consolidate other debts into the new home loan. See the interest saved, and how much faster it clears when the monthly savings are redirected into an offset or extra repayments.
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Estimates only, for general guidance — general information that does not take into account your objectives, financial situation or needs; not a loan approval, assessment, financial advice or a credit quote. Interest is modelled daily (actual/365); fees and government charges are indicative and should be confirmed for your state and lender. Consolidating shorter-term debts into your home loan can lower monthly repayments but may increase the total interest paid over a longer term, and secures previously unsecured debts against your home (which could be at risk if repayments aren't met) — we'll talk you through the trade-offs.
① Your current debts
Everything you're considering refinancing — home loan, personal & car loans, credit cards and BNPL / interest-free plans.
② Proposed new lending
Enter each loan/split amount directly — full refinance or a split (e.g. 30-yr home + shorter consolidation portion). Cash-out (or shortfall) is worked out for you.
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Auto-estimate on
Refinance costs (edit)
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The result
Current debts vs the consolidated loan — at minimum repayments, and with savings redirected to offset.