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Consolidating debt can cost more. Or less. Here is which.

Rolling your debts into the home loan cuts what leaves your account each month, but stretching a three year car loan across decades can grow the total bill. This calculator shows all three paths side by side, including the one that actually saves money.

Your home loan, your other debts, and the three ways this can go

What is still owing today.

Percent a year, like 5.99.

Roughly is fine.

The debts you would roll in

First debt

Leave the row empty if unused.

Cards commonly sit near 20.

What actually leaves your account.

Second debt

Leave the row empty if unused.

Cards commonly sit near 20.

What actually leaves your account.

Third debt

Leave the row empty if unused.

Cards commonly sit near 20.

What actually leaves your account.

Everything is compared as principal and interest with monthly repayments at flat rates, and rolling debts into a home loan usually needs enough equity and a lender's assessment. Estimates and general information only, not an offer of credit and not advice on what to do with your debts.

Only chasing a better rate? Use the refinance calculator, or head back to all the tools.

Byrz is a property research and buyer tool. It is not a lender or credit provider. Figures here are estimates and general information only, not an offer of credit and not financial advice. Check official scheme eligibility before you rely on it.