Debt Consolidation Calculator: Estimate Your Monthly Savings

Use our free debt consolidation calculator to see whether combining your credit cards, loans, and other debts into one mortgage payment could reduce what you pay each month. Explore your options before speaking to an advisor.

30 sec to complete

      
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See Your Savings in Under 2 Minutes

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Three Simple Steps to Calculate Your Savings

We’ve kept things simple with three super easy steps. Here’s what happens when you use our debt consolidation calculator:

Mortgage Details

Enter some basic details about your current mortgage and any debts you’re paying off so we can see what you’re paying each month now.

Calculation Runs

The calculator models a scenario using your details and current market data.

View Your Results

You’ll get an instant estimate showing how much you could potentially save each month with a debt consolidation remortgage.

What is a Debt Consolidation Calculator?

A debt consolidation calculator is a tool that helps you compare what you're currently paying across multiple debts, such as credit cards, personal loans, car finance, and overdrafts, with what a single monthly mortgage payment might look like if you were to consolidate them.

By entering your current mortgage details alongside your outstanding debts, you can get a quick estimate of whether consolidating could lower your monthly outgoings. It's designed as a starting point rather than formal advice, giving you the information to decide whether it's worth having a conversation with a mortgage advisor.

Learn more about debt consolidation mortgages →

Ready to see what you could save?

Start your calculation and get an estimate of your monthly savings with our debt consolidation calculator.

See Your Estimated Savings

What Debts Can I Include in the Calculation?

You can include most debts such as: credit cards, store cards, personal loans, car loans and secured (2nd and 3rd charge) loans.

When using the calculator, enter an estimate of your overall balance across these debts and what you pay out each month servicing these debts. Our experienced advisors will then help you decide which debts make sense to consider consolidating during the process.

Credit Cards and Store Cards

Personal Loans

Car Loans & Hire Purchase Agreements

Secured Homeowner Loans

How the Debt Consolidation Calculator Works

The calculator takes your property value, current mortgage balance, interest rate, and remaining term. It then factors in each debt you want to consolidate to estimate what your new combined mortgage payment could be.

It works by calculating what a new mortgage would look like if the total of your debts were added to your existing mortgage balance, spread across your chosen mortgage term at a typical consolidation rate. The result shows your estimated new monthly payment alongside your current combined outgoings, so you can see the potential difference at a glance.

Bear in mind that this is an illustrative estimate. The actual rate and terms you're offered will depend on your individual circumstances, the lender, and their criteria. Our advisors can provide a personalised illustration once they've reviewed your situation.

You could potentially save with our bespoke Debt Consolidation Calculator

We have helped hundreds of happy clients to achieve their goals by streamlining their finances into one simple manageable mortgage payment.

      
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      Posted on Google  
   
   Gary Fallows 
 5 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great Company , Very helpful, Personally wouldn’t go with anyone else for mortgages
  
 
     Posted on Google  
   
   Joanna Darke 
 17 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Proper advice made the whole experience smooth and stress free. I was kept informed throughout each stage of the process and the team were on hand for any questions I had.
Highly recommend!!
  
 
     Posted on Google  
   
   Safwan Maroof 
 27 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Amazing service really good and quick
  
 
     Posted on Google  
   
   Nicola Vent 
 40 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Huge thanks to both Amy and Harry for their support during our re-mortgage process. Always reassured me when I had concerns and kept us informed throughout. Extremely happy with the service provided. I'll be back in touch when our deal runs out.
  
 
     Posted on Google  
   
   Andrew James 
 43 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Proper Advice. From start to finish, they were always in regular communication with me and kept me fully informed throughout the remortgage process. They made everything straightforward and easy to understand, and importantly, they showed me exactly how much I could save by remortgaging.

The service was professional, friendly and genuinely helpful. I wouldn’t hesitate to use Proper Advice again and would highly recommend them to anyone looking for a remortgage broker.
  
 
     Posted on Google  
   
   Lisa Ellwood 
 63 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Remortgaged with proper advice, all member of the team really helpful and professional, got me a great deal and completed within 2-3 weeks. Would recommend and use again in the future.
  
 
     Posted on Google  
   
   Karen Chaplin 
 74 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great service for remortgage. Daniel could not have been more helpful in finding the best mortgage to suit our needs. All communication was answered promptly by Daniel and his team, who provided advice and liaised with the solicitor and lender on our behalf for anything we wanted to know, nothing was too much trouble. We completed in two months with no issues. Highly recommend.
  
 
     Posted on Google  
   
   myra mcmillan 
 76 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I cannot rave about this company enough. Amy and Tom have saved me over £400 per month by moving my mortgage and knocked 4 months off it. I hardly had to do a thing. They also had it completed within a month. Thank you so much guys. It’s made a big difference to everyday life for me. Myra.
  
 
     Posted on Google  
   
   Stephen Moulton 
 77 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Dan was fantastic and was great at communicating throughout the process. He got me a competitive deal quickly, would recommend them in a heartbeat.
  
 
     Posted on Google  
   
   Laura Brown 
 77 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We couldn't recommend Harry and Amy enough.
From the very beginning, they were absolutely fantastic and made what was a stressful process feel so much easier. They didn't just help us secure our mortgage - they supported us every step of the way with everything that came afterwards too.
As first-time buyers, we had so many questions, but Harry and Amy were always there to answer them, no matter how big or small. They kept us reassured throughout the entire process, explained everything clearly, and made us feel so supported from start to finish. Their communication was phenomenal!
Their professionalism, knowledge, and genuine care made all the difference. We are so grateful for everything they've done and wouldn't hesitate to recommend them to anyone looking for mortgage advisors. We will 100% be using them again. Thank you both for helping us get into our first home!
  
 
     Posted on Google  
   
   Dean Coot 
 78 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Went to these for a remorgage. All I can say is what a team .from the first communication through to the end.
Thanks again michael
  
 
     Posted on Google  
   
   Jess Storer 
 78 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had a very smooth remortgage process from start to finish. We were really impressed with the level of service, knowledge and expertise of the team. I wouldn’t hesitate in recommending to anyone and we have already agreed that we will use again when our current mortgage is due for renewal again. Thanks all for your hard work!
  
 
     Posted on Google  
   
   Keith Armstrong 
 78 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I have used this company several times now and the service is second to none.
Nina was a massive support I cant thank her and the team enough
  
 
     Posted on Google  
   
   Carrie Collins 
 83 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jack and Georgia have been wonderfully helpful and supportive during the whole process of sorting out my mortgage. They respond quickly and make every effort to find the mortgage that best suited my needs. At no point did I feel pressurised or unsure and wouldn’t hesitate to recommend them.
  
 
     Posted on Google  
   
   Helen Casson 
 84 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Incredible service. No pressure, excellent efficient communication in a way that suited us. Brilliant deal that we did not think possible. Life changing. Thank you to Amy who help us through every step and Harry who from day one gave us confideNce

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What the Calculator Can't Tell You

While this tool is handy, there are some things it can’t do:

Confirm whether a lender will approve your debt consolidation mortgage
Check your credit
Confirm final rates or fees, it can only provide estimates
Assess your suitability or advise if consolidation is the best option for your situation

All of the above is why we always recommend speaking to an advisor after you’ve got your results. They can help you interpret the results and guide you on what may be the best option for you.

Some Things to Keep in Mind

As with any mortgage, it's important to consider any potential drawbacks along with the positives.

LTV Increase

Taking out a higher mortgage means your Loan-to-Value (LTV) will increase. This can have implications for your next remortgage and the types of rates and deals that are available to you.

Overall Cost of Borrowing

Be aware that you may be stretching the repayment of these debts over a longer term, which may work out more costly in the long run.

Assess all Options

It's important to work closely with your mortgage or financial advisor to assess all of the available options before committing to a debt consoldation remortgage

All of the above is why we always recommend speaking to an advisor after you’ve got your results, as they can help you interpret the results and guide you on what may be the best option for you.

You've Got Your Results - What's Next?

Calculating your possible savings is just the first step. Once you’ve understood them and noted down any estimated savings, we would recommend talking to one of our mortgage advisors to see if a consolidation mortgage is suitable for you.

Our mortgage experts will help you compare options and check what different lenders will offer you.

Frequently Asked Questions

Yes, the calculator can show whether you might save money on a monthly basis as it compares what you’re currently paying with an estimated new mortgage payment.

No, using the calculator won’t affect your credit score at all as it doesn’t run a credit check or share your details with lenders.

No, it’s purely an estimate based on the information you enter. For proper financial advice, get in touch with one of our mortgage advisors.

They’re a good guide or starting point, but real mortgage offers can differ depending on things like your circumstances, credit profile, and lender criteria.

Think carefully before securing other debts against your home. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. You may have to pay an early repayment charge to your existing lender if you remortgage.