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Debt Consolidation
See how rolling your credit cards, loans, and other debts into your mortgage could change your monthly outgoings, then speak to an advisor about your exact figures.
A debt consolidation mortgage calculator is a tool that compares your current mortgage payment and separate unsecured debts, such as credit cards, personal loans, and car finance, against a single, consolidated mortgage payment.
The result is an estimate only. It doesn't involve a credit check and isn't a mortgage offer. Your actual rate and monthly payment depend on your credit profile, income, and the lender's criteria, which is why the next step is usually to speak to an advisor who can confirm exact figures and check which lenders would consider your circumstances.
Homeowners typically consolidate debt through either a remortgage (replacing your existing mortgage with a larger one) or a second-charge mortgage (a separate loan secured behind your current mortgage). Which route suits you depends on your loan-to-value, credit history, and whether your current deal carries an early repayment charge.
A debt consolidation mortgage calculator UK homeowners can use in minutes takes your current mortgage details and your other debts, then shows whether combining them into one mortgage payment could reduce what you pay out each month.
Rather than juggling a mortgage payment alongside separate payments for credit cards, personal loans, or car finance, the calculator estimates what a single consolidated mortgage payment might look like, based on your updated loan-to-value.
Most people access this by choosing to remortgage to consolidate debt, replacing their existing mortgage with a larger one that includes the amount needed to clear other debts. If you'd like more detail on how the process works end to end, our full debt consolidation mortgage guide covers eligibility, the application process, and what lenders look for.
The figures the calculator produces are an estimate, not a mortgage offer. No credit check is carried out when you use it - that only happens once you formally apply.
Using the mortgage consolidation calculator takes a few minutes. You'll need your current mortgage details and a rough figure for each unsecured debt you want to include.
The calculator uses your loan-to-value (LTV) - your mortgage balance as a percentage of your property's value - to estimate an indicative rate band. Your actual rate depends on your credit profile, income, and the lender's criteria, which an advisor can confirm once you're ready to apply.
How it works
Enter your mortgage details
Add your current mortgage balance, your property's value, and your monthly mortgage payment.
Add each debt you want to include
List your credit cards, personal loans, and car finance, along with their balances and monthly payments.
Review your estimated new payment
See your estimated new monthly payment, updated loan-to-value, and total potential saving before you speak to an advisor.
Here's how someone might use the calculator to consolidate debt into their mortgage. Sarah, 42, is a homeowner in Yorkshire with a property worth £280,000 and a mortgage balance of £165,000. She has three unsecured debts, a credit card, a personal loan, and car finance, together totalling £26,000, and currently makes four separate payments each month.
By rolling her £26,000 of unsecured debt into her mortgage, Sarah moves from four separate monthly payments to one. Her loan-to-value rises, which affects the rate band available to her. The calculator gives her an instant estimate of her new payment based on these figures; an advisor would confirm her exact figure once a lender has assessed her application.
It's worth noting that spreading the debt over a mortgage term, typically much longer than a personal loan or credit card term, could mean paying more interest overall, even if the monthly payment is lower. We cover this trade-off in more detail below.
Consolidation isn't only for homeowners with a clean credit history. Mark, 51, is a homeowner in Birmingham with a County Court Judgment (CCJ) registered 18 months ago. His property is worth £220,000, his mortgage balance is £140,000, and he has two unsecured debts totalling £14,000.
Because of the CCJ, a standard remortgage from a high-street lender may not be available to Mark. A second-charge mortgage, a separate loan secured behind his existing mortgage, can still allow him to consolidate, without needing to refinance his existing deal.
Specialist lenders and second-charge providers assess applications from borrowers with CCJs, defaults, or missed payments, so adverse credit doesn't automatically rule out consolidation. Rates for this type of specialist lending are generally higher than for a standard remortgage, reflecting the extra risk to the lender, but a reduction in the number of separate payments and overall outgoings may still be achievable. If a second-charge mortgage isn't the right fit, homeowner loans for debt consolidation can be another secured borrowing route worth comparing.
Adverse credit options
Our advisors compare a wide range of specialist lenders that consider CCJs, defaults, and missed payments.
There are two main ways to consolidate debt into your mortgage: a full remortgage, or a second-charge mortgage, a separate loan secured against your home that sits behind your existing mortgage rather than replacing it.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. This applies whether you choose a remortgage or a second-charge mortgage, since both involve securing debt against your property.
The right route depends on your loan-to-value, credit history, whether you're still within a fixed-rate period on your current mortgage, and the size of the debts you want to consolidate. An advisor can confirm which lenders would consider your circumstances once your figures are assessed. Every lender we work with is authorised by the Financial Conduct Authority, and you can verify this on the register yourself.
Consolidating debt into your mortgage can reduce the number of payments you make each month, but it isn't the right move for everyone. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Before you proceed, it's worth weighing up the following.
Early repayment charges catch more people out than any other part of this process. Before assuming a remortgage will save you money, check your current mortgage offer for an early repayment charge period. If you're still within it, a second-charge mortgage might let you consolidate without touching your existing deal at all.
Before you apply
Get a clearer picture of your options before you apply
Is debt consolidation a good idea for everyone in the UK with unsecured debt? No. There are situations where rolling debt into your mortgage isn't the most sensible option.
If you're in severe financial difficulty, it's worth getting independent debt advice before taking on any further secured borrowing. MoneyHelper (0800 138 7777) and Citizens Advice both offer impartial guidance on debt management plans, Individual Voluntary Arrangements, and other options that don't involve your home.
Worth checking first
You have little or no equity
If your loan-to-value is already above 85-90%, there may not be enough room to add other debts to your mortgage.
A 0% balance transfer would be cheaper
If your debts are small enough, a 0% balance transfer credit card could clear them more cheaply than extending your mortgage term.
You're close to paying off your debts
Extending the term to include debts you're nearly finished paying off can add more total cost than it saves.
You're in severe financial difficulty
A debt management plan or an Individual Voluntary Arrangement may be more appropriate than taking on further secured borrowing.
If you're struggling to keep up with payments, these organisations offer impartial guidance, separate from any lender or broker.
Impartial money guidance backed by government, including tools for managing debt. Call 0800 138 7777.
Impartial, confidential advice on debt and your rights as a borrower.
Verify our authorisation on the Financial Conduct Authority register.
Common questions
No. The calculator uses the figures you enter to produce an estimate, and no credit check is carried out. Your credit file is only accessed once you formally apply for a mortgage or second-charge loan.
The calculator gives an indicative estimate based on typical rate bands for the loan-to-value you enter. Your actual rate depends on your credit profile, income, existing lender terms, and the specific product you're offered, so an advisor will confirm your exact figures before you apply.
Yes, in many cases. Specialist lenders and second-charge mortgage providers assess applications from borrowers with CCJs, defaults, or missed payments. We compare a wide range of lenders, including those who specialise in adverse credit, and can advise on your options.
You can typically include most unsecured debt, including credit cards, store cards, personal loans, car finance (HP or PCP), overdrafts, and payday loans. Existing secured debt, such as a second charge already in place, can sometimes also be included.
A remortgage typically completes in around 4-8 weeks from application. A second-charge mortgage is often quicker, around 3-6 weeks. The exact timeline depends on lender processing times, the property valuation, and how quickly you provide documentation.
It can, if extending your mortgage term lowers your monthly payment. Spreading debt over a longer period, typically much longer than a personal loan or credit card term, can mean paying more interest overall even though the monthly cost is lower. An advisor can talk through the total cost, not just the monthly saving, before you decide.
What our clients say
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Debt Consolidation
Speak to our advisors about consolidating your debts. We compare a wide range of lenders to find the right solution.
