CHFinance

CHFinance

Advising & Protecting your Future!

Financial Calculators

Use our free tools to explore your options. Whether you're comparing loans, checking your borrowing power, or planning to consolidate debt, we have a calculator for you.

Debt Assessment Tool

Build the debt list lenders and advisers usually ask for before they can assess whether remortgaging could help.

Debt 1

Enter the figures from your latest statement or settlement quote.

£
%
£
£

Approx. monthly interest now: £ 87.15. At this payment level, this debt could clear in 4y 3m with roughly £ 2,618 more interest.

Snapshot

£ 4,200

Approximate amount needed to clear the listed balances and early repayment charges.

Current monthly payments

£ 135

Blended APR

24.9%

Interest added monthly

£ 87.15

Early repayment charges

£ 0

What stands out

Highest APR debt

Credit card at 24.9%

Estimated debt-free timeline

4y 3m

Estimated interest left at current payments

£ 2,618

Use the totals as an organised starting point only. Actual settlement figures, promotional rates, and lender affordability checks can change the outcome.

See if you qualify

Important Information: The results provided by these calculators are for illustrative purposes only and do not constitute a mortgage offer or financial advice. The actual rate and terms you may be offered will depend on your individual circumstances, credit history, and lender criteria. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

MoneyHelper

You may want to explore alternatives that do not use your home as security. It is important to consider the risks carefully and seek free, independent guidance before taking any action regarding your debt or mortgage, for example from MoneyHelper. If you click this external link to MoneyHelper you will leave the website of CHFinance.

FIBA

CH Finance UK Limited is a member of the Financial Intermediary & Broker Association (FIBA), and uses the FIBA logo under licence. FIBA Ref FIB41132.

Copyright © 2026 CHFinance

ALWAYS SEEK ADVICE FROM A QUALIFIED MORTGAGE PROFESSIONAL.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Registered address: CH Finance, 2nd Floor Oakhill Court, 171 Bury New Road, Prestwich, Manchester, M25 9ND.

CHFinance is a trading name of CH Finance (UK) Limited. CH Finance (UK) Limited is a limited company registered in England and Wales, Registration number 10924999. Licensed by the Information Commissioner's Office under the Data Protection Act. CH Finance (UK) Limited is an Appointed Representative of Clarke Hendrik Group Ltd, which is Authorised and Regulated by the Financial Conduct Authority, Firm Registration Number 982714. CH Finance (UK) Limited FCA Registration Number: 788035.

CH Finance (UK) Limited will call you to complete an initial basic fact-find and, based on your criteria, will introduce you to an FCA-regulated broker who will provide you with advice in the area you need. Should you proceed with any solution, CH Finance (UK) Limited will receive a commission from the FCA-regulated broker upon the successful completion of your case.

Calls to and from CH Finance (UK) Limited may be monitored and recorded for record-keeping, supervisory, training, and quality assurance purposes.

We will discuss our fees with you. Our fees are only payable on the completion of any mortgage. We will discuss this with you clearly before proceeding and confirm in writing what our fees will be.

Representative example: A mortgage of £102,495 payable over 25 years, initially on a fixed rate of 5.30% for 5 years and then on a variable rate of 6.74% for the remaining term, would require 60 monthly payments of £617.23 followed by 240 payments of £693.06; the total amount payable would be £185,169, made up of the loan amount, interest and fees of £2,495 (including a £1,495 broker fee – Example Only). The overall cost for comparison is 6.6% APRC representative.If you proceed with a mortgage arranged by CHFinance, a broker fee is payable on completion and will be confirmed before you proceed.

The guidance and/or advice on this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and, if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.