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Debt Consolidation Mortgage
Consolidating your debts onto your mortgage.
If you have equity in your property you could borrow money against your property to consolidate your debts.
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Debt Consolidation Mortgage
If you have unsecured debts such as unsecured loans, credit cards or store cards a mortgage debt consolidation acts as a single loan that lets you borrow money against your property and repay these unsecured debts.
This could reduce your monthly repayments and help you to achieve your financial goals.
A Little Mortgage Advice are here to help you find a debt consolidation mortgage to fit your current circumstances.
How We Can Help
As a specialist independent mortgage advisor we have worked with hundreds of customers to help them secure their debt consolidation mortgage.
We also work specifically with lenders who specialise in mortgages where a client has adverse credit.
Our team at A Little Mortgage Advice will discuss your situation and advise you on the best solution for you to proceed with a debt consolidation mortgage.
Find out if you qualify by completing the form below.
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Why Choose A Little Mortgage Advice?
We are specialist independent advisors. This means that we work with all lenders and search the whole market to find you the correct mortgage product.
As a small independent company you will be speaking directly to a mortgage advisor. We dedicate the same time to every client.
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Debt Consolidation Mortgage Advisors
If you’re looking for a way to manage your debts more efficiently, a debt consolidation mortgage might be the solution you need. At A Little Mortgage Advice, we understand that managing multiple debts can be overwhelming, which is why we offer a range of debt consolidation mortgage options to help our clients consolidate their debts into a single monthly payment.
What Is Debt Consolidation Remortgage?
Debt consolidation mortgage is a type of mortgage that allows you to consolidate multiple debts into a single payment by using the equity in your home. This type of mortgage is an excellent option for individuals who have multiple high-interest debts such as credit cards, personal loans, and car loans. With a debt consolidation mortgage, you can combine all your debts into one loan, which often has a lower interest rate than your current debts. This means you can save money on interest charges and pay off your debts more quickly.
Why Choose A Little Mortgage Advice?
At A Little Mortgage Advice, our team of experienced mortgage advisors understands that every client’s situation is unique. We take the time to get to know our clients and their financial situation, so we can provide them with simple debt consolidation mortgage solutions that best suit their needs. Here are some of the reasons why you should choose us:
Our team of experienced mortgage advisors has years of experience in the mortgage industry. We have helped numerous clients consolidate their debts, and we can help you too.
We understand that every client’s situation is different, and that’s why we offer bespoke debt consolidation mortgage solutions that meet your specific needs.
We work with multiple lenders to find the best debt consolidation mortgage rates for our clients.
We understand that our clients lead busy lives, which is why we have streamlined our debt consolidation mortgage process to make it as simple and stress-free as possible.
How A Debt Consolidation Mortgage Works
A debt consolidation mortgage works by using the equity in your home to pay off your debts. Equity is the difference between the value of your home and the amount you owe on your mortgage. For example, if your home is worth £250,000, and you owe £150,000 on your mortgage, your equity is £100,000.
When you take out a debt consolidation mortgage, you use the equity in your home to pay off your debts. This means that your multiple high-interest debts are consolidated into one loan, which often has a lower interest rate than your current debts. This makes it easier to manage your debts, as you only have to make one monthly payment instead of multiple payments to different creditors.
Benefits of Debt Consolidation Mortgages
- Consolidating your debts with a debt consolidation mortgage has several benefits. Here are some of the benefits you can enjoy when you choose this option:
- Lower Interest Rates: One of the biggest benefits of a debt consolidation mortgage is that it often comes with lower interest rates than your current debts. This means you can save money on interest charges and pay off your debts more quickly.
- Lower Monthly Payments: With a debt consolidation mortgage, you only have to make one monthly payment instead of multiple payments to different creditors. This makes it easier to manage your debts and can lower your monthly payments.
- Reduced Stress: Managing multiple debts can be stressful and overwhelming. Consolidating your debts into a single loan can help reduce your stress and make it easier to manage your finances.
- Improved Credit Score: If you’re struggling to make payments on multiple debts, it can negatively impact your credit score. Consolidating your debts can help improve your credit score by making it easier to make payments on time.
Leading Debt Consolidation Mortgage Providers Essex
When searching for a debt consolidation mortgage provider in Essex, it’s important to choose a provider that has experience in the mortgage industry and can provide you with personalised solutions.
At A Little Mortgage Advice, we understand that choosing a debt consolidation mortgage provider can be overwhelming. That’s why we offer bespoke services to help you consolidate your debts into a single monthly payment.
Our experienced team of mortgage advisors will guide you through the process and find the best debt consolidation mortgage option for your unique situation.
The Debt Consolidation Mortgage Process
At A Little Mortgage Advice, we understand that the debt consolidation mortgage process can be confusing. That’s why we have simplified the process to make it as easy as possible for our clients. Here’s an overview of the debt consolidation mortgage process:
- Consultation: The first step in the debt consolidation mortgage process is to schedule a free consultation with one of our experienced mortgage advisors. During this consultation, we’ll discuss your current debts, your financial situation, and your goals. We’ll then provide you with personalised debt consolidation mortgage options that best suit your needs.
- Application: Once you’ve chosen a debt consolidation mortgage option, we’ll start the application process for you and gather the necessary documentation. This typically includes proof of income, employment, and identification.
- Underwriting: After we’ve gathered all the necessary information and documentation, we’ll submit it to the lender for underwriting. During this process, the lender will review your application and determine if you’re eligible for a debt consolidation mortgage.
- Approval: If the lender approves your application, they’ll provide you with a loan offer. We’ll review the loan offer with you and answer any questions you may have.
- Offer: If you accept the loan offer, you’ll sign the necessary paperwork to finalise the debt consolidation mortgage.
- Repayment: After the debt consolidation mortgage has been finalised, you’ll begin making payments on the loan. You’ll only have to make one monthly payment, which will be used to pay off your multiple debts.
Contact A Little Mortgage Advice Today
If you’re looking for a debt consolidation mortgage provider in Essex, contact A Little Mortgage Advice today. Our experienced team of mortgage advisors will provide you with a personal service that meets your unique needs. We’ll help you consolidate your debts and manage your finances more efficiently.
Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home. When consolidating existing borrowing, be aware that extending the term could increase the amount repaid. Contact us today to schedule a free consultation.