Simplify & Save

Mortgage Credit Consolidation

Combine multiple debts into a single lower mortgage payment

Debt consolidation through mortgage refinancing. Combine loans into lower monthly payments with expert analysis of savings and break-even.

Simplify Your Finances

Tell us about your current debts and we'll show you the savings.

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Simulation
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Configure your simulation

Adjust parameters to estimate your monthly payments

200,000
20 ans
Fixed rate3.65%
Revisable 15/5/53.55%
Revisable 10/5/53.45%
Revisable 5/5/53.25%

Your selection

  • ServiceCredit Broker
  • ProductMortgage Loan · Credit consolidation
  • Amount€200,000
  • Duration20 years
  • RateFixed rate
Monthly payment€1,211.96
  • TAEG4%
  • Total cost€290,870.56
  • Interest€90,870.56

Simulate for free

Adjust the parameters to instantly see your estimated monthly payments.

No commitment
Fast response within 24-48h
100% free service
Consolidation Process

5 Steps to Simplified Finances

Strategic debt consolidation with comprehensive savings analysis

1

Complete Debt Analysis

1-2 days

Comprehensive review of all existing debts: consumer loans, car financing, credit cards, personal lines of credit. Calculation of current total monthly payments and interest rates.

2

Consolidation Strategy Development

2-3 days

Assessment of which debts to consolidate, projected new monthly payment, total interest savings, and break-even timeline. Comparison of consolidation vs. keeping separate loans.

3

Early Repayment Negotiation

3-5 days

Negotiation with existing lenders regarding early repayment penalties. Calculation of net savings after accounting for all consolidation costs and penalties.

4

Consolidated Loan Assembly

5-7 days

Preparation of new mortgage application including debt payoff amounts. Coordination to ensure seamless transition from multiple loans to single consolidated mortgage.

5

Debt Payoff & New Loan Activation

At closing

Disbursement of new mortgage funds to pay off all consolidated debts. Verification that all old accounts are closed and new single payment is activated.

Ready to reduce your monthly payments?

Start consolidation analysis
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Mortgage Credit Consolidation
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FAQ

Debt Consolidation Questions

Understanding mortgage-based debt consolidation in Belgium

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