Debt consolidation mortgage
If you have equity in your property, you could borrow against it to consolidate unsecured debts - loans, credit cards, store cards - into a single payment. Angela specialises in consolidation cases, including where credit has already slipped, and a same-day decision in principle is often possible for urgent situations.
The first question is always whether it is right for you at all. You will get an honest answer, and it won't cost you a penny if she can't help.
Typically consolidated
- Credit cards
- Personal loans
- Store cards
- Car finance
Understanding a debt consolidation mortgage
A debt consolidation mortgage replaces several unsecured debts with a single loan secured against your home. That can mean a lower total monthly outgoing and a clearer picture - but it also means debts that were unsecured become secured against your property, usually over a longer term.
That trade-off is the heart of the advice. Angela will show you the true cost over the full term, not just the monthly figure, and tell you plainly if consolidation is the wrong move for your situation.
Based in Benfleet, Essex - advising clients across the whole of the UK.
From clients who stood where you are
I cannot thank Angela enough. Right from the first conversation she was welcoming compassionate and professional, it’s a personal thing and embarrassing telling someone your finances and debt. Angela made no judgment at all. Our case was not straight forward at all. Angela and Emma was on the phone to us talking us through each stage. Listening to my wife when she was anxious and overwhelmed. With the dedication of Angela and Emma we got the offer we needed. We can not thank them enough If you are looking for a Mortgage advisor do not look anywhere else Outstanding company Thank you so much Angela and Emma
Fair questions, straight answers
Is consolidating my debts into my mortgage a good idea?
Sometimes. It can reduce your monthly outgoings, but you may pay more in total over a longer term, and unsecured debts become secured against your home. The advice here is honest either way - including "no".
My credit is already damaged. Can I still consolidate?
Often, yes. Consolidation with adverse credit is a core specialism, with access to lenders who look at the whole picture rather than just the score.
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Thinking about consolidating debt?
Rolling debt into your mortgage can lower your monthly payments, but it can cost more over the term. We will show you both sides before you decide.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898
Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.