Looking to consolidate your debts 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.
Complete your details below and we’ll be in touch to help you with your enquiry
There are numerous debts you could look to consolidate into your 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
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

✅ 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