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Debt consolidation loan calculator

Compare what your debts cost now with one consolidation loan, see what adding them to your home loan would mean, and compare your options side by side. Each tool shows the trade-offs as well as the repayments.
Answer 9 quick questionsCall 1300 351 008
Debt Negotiators is a fee-based service. Fees, and any commission we receive from a lender, are explained before you decide.
Three tools in one
Consolidation loan: your current debts against one new loan
Add to your home loan: keep the debts separate, roll them into your mortgage, or roll them in and keep paying what you pay now
Compare your options: loans get repayment estimates, formal options show their trade-offs

How to read the results →

Before you start

What you’ll need

For each current debt: the balance, the interest rate and what you repay each month. Your statements usually show all three.

For the home loan tool: what you owe on your mortgage, its rate and the years left. For a new loan: the rate, term and fees you’ve been quoted or expect.

Not sure of a figure? Use your best estimate and treat the result as a rough guide.

How to read the results
The results are estimates only. Real rates, fees and terms depend on the lender and your credit history
Lending criteria apply, and some applications are declined
A longer term can make each repayment smaller but cost more overall
Adding debts to a home loan uses your home as security
Debt agreements, personal insolvency agreements and bankruptcy are listed on your credit file and the National Personal Insolvency Index
The tools assume rates and repayments stay the same and no new spending
Nothing here is an offer or approval
Next step

Talk the numbers through with us

A calculator can’t see your credit file, your full budget or what a lender would actually offer. Answer 9 quick questions and a member of our team calls to go through your results, the options that may fit and their downsides.

More on debt consolidation, refinancing your home loan and all our debt solutions.

Debt Negotiators is a fee-based service. Fees are explained before you decide, and the first conversation costs nothing. If you take out a loan we arrange, we may receive a commission from the lender. We’ll tell you about it before you decide. The rates are in our Credit Guide.

Calculator questions

Is the result an offer or approval?

No. The calculators give estimates only. A lender decides the rate, fees and term after assessing your application, and some applications are declined.

Does using the calculators affect my credit file?

No. The calculators don’t run a credit check. Applying for a loan later would record a credit enquiry.

Why can a smaller repayment cost more overall?

Spreading a debt over more years usually makes each repayment smaller, but interest is charged for longer. The consolidation and home loan tools show the total interest so you can compare.

What does "keep paying what you pay now" show?

It estimates what happens if you roll the debts into your home loan but keep paying the same total each month. Paying more than the new minimum can mean the debt is repaid sooner, with less interest in total, if your lender allows extra repayments.

Why don't formal options show a repayment?

For a debt agreement or personal insolvency agreement, the payments depend on your income and what creditors accept, so an estimate could mislead. The tool shows their trade-offs instead, including the credit file and National Personal Insolvency Index.

What interest rate should I enter for a new loan?

Use a rate you’ve been quoted, or a realistic estimate. Rates depend on the lender, the loan type and your credit history, so try a few to see how the results change.

Go through your results with us

Answer 9 quick questions, then we call to go through the numbers and your options.
Answer 9 quick questionsCall 1300 351 008
Debt Negotiators is a fee-based service. The information on this page is general and doesn’t take your circumstances into account. Outcomes depend on your situation, and no outcome is guaranteed. Formal options such as debt agreements and personal insolvency agreements can affect your credit report and your ability to get credit. ACL 390820 · AFSA RDAA 1403.
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Talk to us about your options. Debt Negotiators is a fee-based service, and fees are explained before you decide.
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