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Canadian Debt Consolidation & Refinance Calculator

Consolidate high-interest consumer debt into your mortgage to lower your monthly payments.

1. Current Mortgage Details

$
%

2. Consumer Debt to Consolidate

3. New Refinance Details

%
$
Break penalty, legal, appraisal

Refinance Summary

Monthly Cash Flow Increase

$0
Total Old Monthly Payments $0
New Consolidated Payment $0
New Total Mortgage Balance $0

Debt Breakdown

Note: While consolidating debt can drastically improve monthly cash flow, extending the amortization of short-term consumer debt over a long mortgage term (e.g., 25 years) may increase the total interest paid over the life of the loan. This calculator uses standard Canadian semi-annual compounding for mortgage payments.

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