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You can use our switching cost calculator to estimate your refinancing cost.Remember that you face the risk of paying lender’s mortgage insurance (LMI) twice if you borrow more than 80% of the property purchase price so try to keep your loan-to-value ratio (LVR) below 80%.If you’re looking to get out from under your student loan debt, it’s important to think through any strategy that lowers your monthly payments.This especially applies to the prospect of rolling your student loan debt into a mortgage.“Debt consolidation” means refinancing your debt onto the lowest interest rate possible – and setting up a realistic repayment plan to get it paid off!There are three main ways that you can do this: A significant benefit of consolidating your credit cards onto a personal loan is that a personal loan has a defined lifespan.Things to remember If you are thinking about consolidating your debt into your home loan, you might want to speak to a mortgage broker first.

If that sounds familiar to you then debt consolidation might be a means to minimise the impact that this debt has on your cashflow.Though this practice is controversial and potentially risky, the concept is attractive to some student loan borrowers who want to capitalize on the possibility of lower interest rates and monthly payments.So should you consolidate student loans into a mortgage? You might be managing multiple payments to different lenders or paying various interest rates across accounts.You may just have an outstanding credit card debt hanging over your head.

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