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Free homeowner tool

The Mortgage & Debt Reset

See what your monthly repayments could look like if your car loan, credit cards and other debts were restructured into your mortgage, and what that would cost over time. Takes about 3 minutes.

1Your mortgage

Paying fortnightly? Multiply your fortnightly payment by 26 and divide by 12. If your loan is split, use the combined balance and your blended rate.

2Your other debts

Car loans, personal loans, credit cards, hire purchase, buy-now-pay-later. Use what you actually pay each month. The figures below are an example, so replace them with your own.

Fine-tune the reset (optional)

By default the reset uses your current mortgage rate and keeps your current term, so the result doesn't look better just because the loan is stretched out. Costs could include break fees on a fixed rate, legal fees or lender fees.

This tool gives illustrative estimates only, based on the figures you enter and standard loan maths. It is not financial advice and doesn't take your full circumstances into account. Results don't guarantee savings or lending approval: any restructure depends on lender criteria, responsible-lending checks, your property's value, and fees. Better Choice Home Loans, FSP 1000984.

Possible monthly savingSee my result ↓