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Consolidating the two into a new, 30-year mortgage at 4.5 percent saves about ,642 in interest.Consolidating the two into a 15-year mortgage at 4.5 percent saves almost 0,000 more.

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There is a range of information available, both within Aussie's website and offline, which can help you if you're looking to refinance.

This includes tables that compare rates and products from different lenders and a range of calculators to help determine your borrowing power and repayment amounts, including Aussie's own Mortgage Calculator.

When you are ready to apply, or even if you have more questions before taking the next step, you should speak to an accredited Mortgage Broker.

You may be tempted to consolidate your credit card and other high-interest debt into a mortgage with much lower payments. Lenders now require the homeowner to keep at least 15 percent to 20 percent equity after cashing out.

Today's debt consolidation mortgages are more conservative than those seen during the housing boom, when lenders allowed homeowners to refinance and cash out as much as 110 percent of the value of their homes.