The Solutions Banking All-in-One integrates the features of a mortgage, a line of credit, a chequing account and a savings account into one comprehensive solution. This solution allows you to access the equity in your home to consolidate all of your banking and financing needs.

Use this simple calculator to discover how much money you could potentially save and how quickly you could be out of debt with the All-in-One.


Use your mortgage statement to help you fill in the following information, starting with the price you’d expect to sell your home for in today’s market.


*Required field

Enter information about all of your outstanding debts.


*Required field

Enter the short-term savings you are able to apply towards paying down your debt.

Enter the amount of money deposited in your bank account after all deductions, followed by the total expenses for items such as groceries, utilities, and transportation.







Daily living




*Required field


You could save


and be debt free in

0 year, 0 month !


That’s 0 year, 0 month faster than your current situation, by applying all of your excess cash flow in addition to your current debt repayment.

Want to pay down your debt while still saving for other goals?
See how applying different amounts of excess cash flow to your debt can help.

Are you interested in accelerating your debt repayment? See how creating term loans may help by clicking on the Set up term loan(s) button.

Because you have a Line of Credit account balance greater than 65% of the value of your home, we have setup a minimum term loan of { calculated amount }.

Home information

Value of home $
Outstanding mortgage balance $
Penalty cost of breaking mortgage $


Savings $
Chequing $
Other $

Cash flow

Net income $
Household expenses $
Current debt payment $
Excess cash flow $

Which option is right for you? Talk with an advisor to find out.

To find out whether the All-in-One is right for you, contact a mortgage planning specialist associated with Freedom 55 Financial, a division of London Life.

The results shown are based on the data you have provided and are for illustrative purposes only and do not guarantee future results. This illustration does not create any legal or contractual obligations for London Life and/or National Bank.

All-in-One is subject to credit approval by National Bank. Maximum financing available up to 80% of the property value; with the revolving line of credit portion not exceeding 65% of the property value.

In the illustration provided the current liabilities were assumed to be repaid at the same rate and frequency, and no additional lump‑sum payment would be made. The All-in-One results assume your short-term savings and the difference between your income and monthly expenses will be applied to your outstanding balance. It is assumed there will be no changes in your liabilities, income or monthly expenses.

If your liabilities exceeded 80% of your house value, the illustration would only consolidate your highest interest rate debts up to a maximum of 80% of your house value. Debts not consolidated would be included in your monthly expenses.

All rates are subject to change at any time without notice. The revolving line of credit base rate utilized in this illustration was 3.35%. This is a variable rate that corresponds to the prime rate + 0.50%.

Delete the term loan data entered and start again?