Debt planning calculator

Debt Consolidation Calculator

Compare monthly cost, risk and term when consolidating borrowing. Use the result as a planning guide, then check suitability, lender criteria and the full advice route before acting.

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Your figures

Enter the details.

£/month
£
%
years

Guide result

Your estimated result.

New monthly guide—
Monthly payment change—
Total paid over new term—

Consolidating debts may reduce monthly payments but can increase total cost and puts unsecured borrowing at risk if secured against your home.

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Advice checkpoint

Need help turning the number into a decision?

Speak to The Mortgage Hive before acting on a calculator result. The right route depends on the product, lender rules, affordability, long-term cost, risk and your wider circumstances.

Speak to an adviser Call 01202 084 064

Important information

Debt consolidation may reduce monthly payments by spreading borrowing over a longer term, but it may increase the total amount repayable. If borrowing is secured against your home, your home may be at risk if you do not keep up repayments. Suitability depends on lender criteria and advice.

These calculators provide estimates only and are not personal advice. Speak to The Mortgage Hive before making financial decisions.