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Refinance & debt consolidation calculator

In Canada you can refinance up to 80% of your home's value. Enter your mortgage and other debts to see how consolidating could free up monthly cash flow and lower your interest costs.

Your home & mortgage

We can refinance up to 80% of your home's value.

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Home equity line of credit (HELOC)

Do you have a Home Equity Line of Credit currently against this home?

Other debts to consolidate

Credit card & line-of-credit payments are estimated at 3% of the balance per month. Use the buttons to add as many of each as you need.

Credit cards payment = 3% of balance
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Lines of credit payment = 3% of balance
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Vehicle loans
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Student loans
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Other debt
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Your new mortgage

These are general market rate options. Your actual rate could be lower based on your full application, and rates can change or be higher depending on the lender. Submit your numbers to connect with the Mortgage Momentum team for the best rate and to lock in your savings.

Available to refinance (80% of value)
Maximum new mortgage$0
Room after mortgage & HELOC$0

Your New Mortgage Opportunity

Total debt$0
Monthly payments$0
Interest cost / year*$0

After refinancing

New mortgage$0
Debt consolidated & cleared$0
Debt left outside mortgage$0
Monthly payments$0
Interest cost / year*$0
Monthly cash flow freed
$0
Cash flow saved per year
$0
Estimated interest saved in year one*
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Your total savings in one year
$0
If you want these savings in one year:
Send these numbers to Mortgage Momentum

*Interest figures are estimated annual interest at the rates shown, for comparison only. Consolidating debt into a mortgage spreads it over a longer amortization, so while your monthly cost and interest rate usually drop, total interest over the full term depends on how quickly you repay. The one-year total adds your annual cash-flow saving and estimated first-year interest saving; these measure different things and are combined for illustration. This tool is not an approval or offer.

Want us to take it from here?

Send your numbers to the Mortgage Momentum team and we'll follow up with a real, personalized plan — at no cost and no obligation.

Your calculator inputs and results are included so we can prepare your plan. Light contact details only — no banking info or documents.

Curious what you could save?

Let's turn these estimates into a real plan. Get a quick quote or call us directly.

Get my quote Book a call Call 403-731-3156