Free · about 2 minutes · no credit check
Would consolidating your debts into your mortgage help?
The honest version — the monthly relief and the long-term cost, both.
About 11 questions · no credit check · nothing sent to any lender
Made for where you are
If high-interest debt is piling up
- Juggling cards and loans? See what folding them into your mortgage could do to your monthly total.
- Worried about the long-term cost? We show both sides — the relief now and the interest over time.
If you're weighing your equity
- Not sure how much you can borrow? The loan-to-value cap lenders apply decides it — see your room.
- Penalty to break your mortgage? Learn whether the math still works once it's counted.
How it works
A few questions, real math, a clear next step.
- 1
Answer a few questions
Income, debts, savings — rough numbers are fine. One question per screen.
- 2
Get your scorecard
An instant estimate built on the rules lenders start from, with the reasons behind it.
- 3
Talk it through with Joe Mendel, if you want to
The estimate is yours either way. When you want a plan, they'll build one — no obligation.
What you'll learn
Every number on your results page is computed, not guessed.
How much equity you can borrow
Your room within the loan-to-value cap lenders apply, on today's numbers.
Your estimated new payment
One mortgage payment next to everything you pay today.
The trade-off, honestly
Monthly relief versus total interest — both, not just the good one.
Whether it's worth a conversation
A clear read on the next step, from someone who does this daily.
Questions people ask
Will consolidating always save money?
Not always. It usually lowers the monthly total but can raise the interest paid over time. The scorecard shows both so you can decide with the whole picture.
Is this a pre-approval?
No. It's an estimate built from what you tell us, using the federal stress-test and debt-ratio rules lenders start from. A pre-approval needs a lender to verify your income, credit and the property.
Does this affect my credit score?
No. Nothing here touches your credit file, and nothing is sent to any lender.
What happens with my details?
Whatever you give us is used to prepare and send your results, and to reply if you ask a broker to get in touch. Nothing else. Your information is never sold, and you can unsubscribe from any email in one click.
See whether consolidating would help
Two minutes, both sides of the math, no credit check.