Several debt payments? Homeowners can turn them into one.

Q: Will I definitely pay less each month?

Often your combined monthly payment falls, but spreading debt over a longer term can mean paying more interest overall, even if the monthly figure is lower.

If you're juggling credit cards, loans and an overdraft, and you own your home, you may be able to combine them into a single lower monthly payment. We explain the three routes, a secured loan, a remortgage or a further advance, and put you in front of an FCA authorised broker who compares them for you.

3 routesSecured loan, remortgage or further advance

£5k to £100kTypical debt consolidated

30 secondsTo check your options

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Three ways homeowners consolidate debt

Secured loan

Also called a homeowner loan or second charge mortgage. A separate loan alongside your existing mortgage, which stays completely untouched, rate and all.

Remortgage to pay off debt

Replace your existing mortgage with a new, larger one and use the extra to clear your debts. Often suits homeowners whose current deal has ended.

Further advance

Borrow more from your existing mortgage lender, on top of what you already owe them, without switching lenders.

How it works

Three steps, no obligation

Tell us about your situation

About 30 seconds. Checking your options will not affect your credit score.

A broker compares your routes

An FCA authorised broker compares a secured loan, a remortgage and a further advance for your numbers.

You decide, with the numbers in front of you

See the current payments, the new payment, and the total repayable, before you commit to anything.

Explore your options

Bad Credit

Debt Consolidation

Further Advance

Homeowner Loans

Remortgage to Pay Off Debt

Second Charge Mortgage

Secured Loans

Calculators

Guides

See what one payment could look like

Free, no obligation. Checking your options will not affect your credit score.

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Frequently asked questions

What's the difference between a secured loan, a homeowner loan and a second charge mortgage?

Nothing. They're three names for the same product: a second loan secured against your property, sitting alongside your existing mortgage rather than replacing it.

Will consolidating my debts affect my mortgage rate?

Not if you use a secured loan, since it leaves your existing mortgage completely untouched. A remortgage replaces your mortgage entirely, so your rate would change, and any early repayment charge on your current deal would need to be factored in.

Does checking my options affect my credit score?

No. Checking your options with us will not affect your credit score. A full credit check only happens later, if you choose to formally apply with a lender.

Can I consolidate debt with bad credit?

Often, yes. There are specialist lenders who work with homeowners who have missed payments, defaults or a CCJ. See our bad credit hub for more detail.

Will I definitely pay less each month?

Often your combined monthly payment falls, because secured borrowing rates are typically lower than credit card and personal loan rates. But spreading debt over a longer term can mean paying more interest overall, even if the monthly figure is lower. Your broker will always show you both numbers.