group your debts together

Consolidate debt means using the equity you’ve built up in your property to release yourself from debt.

reduce your debt

One of the most popular ways for people to settle debts to multiple creditors is to opt for a form of consolidation.

is it right for me

We will always be happy to discuss the various options and avenues that are open to you when it comes to debt support.

01

Reduce your credit cards

High interest rates on credit cards can mean you are never repaying any of the debt and only paying the interest each month.

02

Pay off loans

High monthly payments on loans can eat into your monthly affordability.

03

Pay off car finance

Expensive car finance deals can be reduced where suitable.

04

Clear other debts

Debts can be incorporated into your mortgage to become one manageable monthly repayment.

Debt Consolidation

A debt consolidation mortgage can be used to pay off various debts and other finance

When looking for a better rate on your mortgage, you may want to consider consolidating some debts to further improve your monthly expenditure. We can discuss with you some suitable options. For example, if you have a 0% deal on your credit card, the best solution is likely to leave that where it is if managed correctly each month. However, if you are on a higher rate for your loans or credit cards and you are starting to see that these are not reducing sufficiently each month then consolidating them onto your mortgage may be your most appropriate route.

Our expert team will help you make the right choice by working out your potential savings each month so you can then decide, with confidence, if consolidating the debts into your mortgage is the right option for you.

With our access to a massive suite of over 90 lenders and 12,000 mortgage products, we can quickly identify the best rate for you from our huge range. We also have access to exclusive product ranges that are otherwise not available on the high street, you may find that the deal saves you more than you thought each month.

Our friendly expert team will guide you through the debt consolidation process and find the option that is right for you.

Debt consolidation doesn’t have to be difficult. We can assess your circumstances and provide you with quotes. We can also typically provide you with a lending decision with 24 hours. Why not give us a call today and see what we can do for you?

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Remortgages
Improve your current deal

Did you know by leaving your mortgage after it comes to the end of your initial rate can cost many unnecessary thousands of pounds in interest? By simply switching your mortgage to a lower rate, it is possible to knock 10’s of thousands of pounds in interest charges from your mortgage throughout your mortgage lifetime.

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Remortgages
Home Improvements

The cost of home improvements and employing contractors and builders can be very high. Often the cheapest way to borrow is against your property and we can discuss if this is the correct avenue for you. You can borrow for as little as a new front door, to a full extension and anywhere in between.

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You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.