Looking to consolidate your debts into your mortgage?

debt into your mortgage

Consolidating some or all of your debts into your mortgage can help reduce your monthly outgoings

There are many reasons why consolidating your debts into your mortgage makes sense with the main advantage to reduce your monthly outgoings. We work with mortgage lenders who specialise in debt consolidation and can ensure you get the best rates and terms.

Based on 14 reviews.
Rebecca surin
Rebecca surin
2022-03-24
Working with Paul has been an absolute pleasure. He is extremely knowledgeable, conscientious, and responsive. I don't think I would be in the position I am (buying my first flat!) if it wasn't for his help and guidance. Highly recommended.
Elvis
Elvis
2022-03-22
Paul was professional and efficient. Clearly very experienced and understands the nuances of the mortgage world. Very happy with the service provided and would certainly recommend.
olivia davis
olivia davis
2022-03-20
We are first time buyers and have Paul walking us through this process and we couldn't have asked for anyone better! He has been very friendly and approachable throughout and keeps in contact often to make sure everything goes as smoothly as possible and to answer any question we have. Highly recommended this company to anyone moving !
Dominic Lake
Dominic Lake
2022-03-20
My partner and I are first time buyers so we knew absolutely nothing about houses and how to get one. Paul has been our mortgage advisor and has been extremely insightful and helpful throughout the process and I couldn’t recommend him more.
Darryl Worbey
Darryl Worbey
2022-02-24
Would highly recommend Paul to anyone, he went the extra mile for me. If I went to the lenders direct I wouldn’t have got my mortgage due to my situation but Paul with his contacts allowed us to get my mortgage. He also treated my money as it was his own which is what you want when buying a house. Thank you again Paul
Kelsey Downey
Kelsey Downey
2022-02-24
Josh Benfield
Josh Benfield
2022-02-14
Paul worked with us on our first property and I don't think we could have asked for a more conscientious and supportive advisor. We had a couple of issues with parts of the process and Paul was there each step of the way to guide us and step in to ensure that things worked out. Each communication we had was thoroughly carried out and we felt clued in throughout. Would highly recommend to anyone!
Kate S
Kate S
2021-12-22
Paul Tait has been a fountain of valuable advice and knowledge throughout our mortgage process. He is friendly, professional, highly intelligent and has taken all the hassle out of what could be a very stressful experience. We wouldn’t hesitate to recommend Paul and we will definitely call on him in the future.
Florian
Florian
2021-10-25
Very pleased with Your Property Financial Services - professional and efficient service throughout the entire process.
L Ek
L Ek
2021-10-17

Complete your details below and we’ll be in touch to help you with your enquiry 

Landing page Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

There are numerous debts you could look to consolidate into your mortgage:

mortgage

💳 Credit card debts

🚗 Car loans or Hire purchase agreements

🚨 Personal loans

📈 Overdrafts

💷 Payday loans

Having high unsecured debts on things like credit cards and loans can start to affect your credit rating negatively as mortgage lenders may start to worry you’re overstretching yourself and it can reduce the mortgage you can borrow in the end if your unsecured debts (like credit card and loans) are too high; either as the total amount you owe or the monthly payments.

Debt consolidation is therefore an area where you should receive specialist advice on to make sure you’re not unnecessarily securing previously unsecured debts onto your property.

Complete your details below and we’ll be in touch to help you with your enquiry 

Landing page Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Our team of brokers are specialists with helping to consolidate debts into your mortgage and can help you understand the best options available to you and when you should or shouldn’t consolidate certain debts.

Your broker here to help

Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you. This is where we step in and help advise and arrange to ensure you get the correct mortgage and consideration by the lender at the application stage and we present your application in the best possible light; therefore increasing your chances of acceptance at first application. 

Our team of mortgage brokers are here and ready to assist you and we can speak at a time convenient for you and even over a video call if you prefer a face-to-face conversation with your advisor. 

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service as these services may be more suitable for you.

Why choose us

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✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers

✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you

We have access to all the specialist lenders in the debt consolidation market including second charge lender.  Contact us today so we can advise you on your options. 

Complete your details below and we’ll be in touch to help you with your enquiry 

Landing page Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Tell us more about your mortgage needs & one of the team will be in touch