Are you looking to consolidate your
debts into your mortgage?

debt consolidation mortgage a good idea

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 most suitable rates and terms.

What is a debt consolidation mortgage?

Debt consolidation mortgages are used to pay off debts like credit cards, overdrafts, payday loans, car loans and hire purchase agreements by using the equity in your home.

How does it work?

Expert Mortgage Advice

Review Your credit report to note and add up what debts you have

Remortgage to Pay Off Debt

Consider which debts should remain or be consolidated

Remortgage to Pay Off Loan

Speak to a mortgage broker who specialises in debt consolidation

Jamie Thunder
Jamie Thunder
We wouldn't hesitate to recommend Your Property Financial to anyone buying a property. We've dealt directly with Paul at all stages, and he's been friendly, knowledgeable, responsive and clear throughout.
Alejandro Gerardo Gomes
Alejandro Gerardo Gomes
Thank you so much Your Property Financial and Paul for all the support, advice and help in our process to buy our home. Paul was very professional, friendly, well knowledgeable on property purchase process, timing on answering our questions and he gave us the best advice. I highly recommend Your Property Financial as your first step before you buy your property as they will explain you all the processes and find the best options available for you and they will guide you all the way until the end of the process. Thank you Paul again ☺️
I couldn't recommend Paul enough. He was straightforward and thorough. He has guided through the mortgage process and helped us revise our offers multiple times.
eleni georgiadou
eleni georgiadou
Paul worked with me and my partner to find the most suitable mortgage and life insurance deals as first time buyers. He has been extremely professional and thorough since day 1, providing information and clarifications in an efficient way. He has also liaised with our solicitors and developer for a smooth and on time exchange without the need to request for an additional extension from the lender. We can’t thank him enough for all his hard work and look forward to working again with him on our upcoming re-mortgage application. We fully recommend his services!
Thor Portess
Thor Portess
Paul assisted me in the purchase and refinance of a property in East Finchley. The process in obtaining the mortgage was smooth and seem less and helped me to purchase the property in a timely manner.
Ioannis Grigoriadis
Ioannis Grigoriadis
Paul has provided us with a great service in a process that is stressful and includes so many variables. His guidance has been invaluable and has led to finding a place we have now moved into and love. He has always been available to talk to us in short notice and gave us ample time to ask questions so that we can feel confident in making informed decisions. He has gone above and beyond and we would highly recommend his services to anyone in the process of buying a home.
Paul Robson
Paul Robson
Paul Tait provided a very thorough service with a great outcome for us. He listened very carefully to us talk about our situation and priorities. Also great at keeping in touch and steering the process to completion in a very tight window. Thanks
Dom P
Dom P
Paul is great to work with. He give you a lot of time to explain things and ask questions and is responsive to emails and calls. He’s helped me from start to finish of a property transaction, from searching to moving it. I’d very much recommend Paul.
Richard Nice
Richard Nice
Paul couldn't have been more helpful and friendly. He clearly outlined all the options for our case (which was not that simple) and put us in touch with some other great people to assist with every process. We're very happy with his service and would highly recommend it.
Lucy Fletcher
Lucy Fletcher
Paul worked with myself and my parents to get us the right deal for our new family home. He was able to get us the mortgage we needed in time for our house sale and was able to help with the solicitor side of things which greatly helped hurry the process along. He was very understanding of our situation and was able to help whenever we needed him. I couldn't recommend Paul enough, I will definitely be using him as my financial advisor again.

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

loand mortgage broker

Let's look at some of the typical debts that can be consolidated into your mortgage:


💳 Credit card debts

🚗 Car loans or Hire purchase agreements

🚨 Personal loans

📈 Overdrafts

💷 Payday loans


save interst from your mortgage

Having high-interest unsecured debts on things like credit cards and loans can start to affect your credit rating negatively if it all builds up too much, as mortgage lenders may start to worry you’re overstretching yourself and it can reduce the mortgage amount 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 you make each month.


Consolidating previously unsecured debts onto your property will mean those debts form part of your mortgage which is a secured debt on your home.

Debt consolidation may reduce your monthly payments but also may result in you paying more interest over the longer term. Your mortgage broker will consider carefully for you if this is sensible and advise you accordingly.

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

How much could You borrow?

The amount you could borrow will depend on how much equity you have available, your credit history (if there’s any previous bad credit, a remortgage with bad credit may also be possible), and if you meet a lender’s affordability criteria; so your current income is going to be a significant factor. 

get mrotgage with a debt

Debt consolidation mortgages can let you borrow up to 90% of the value of your property.

consolidate your debt in your mortgage

It will likely reduce your monthly payments but it may increase the overall interest you pay back.

home improve ment mortgage

Consolidation of recent costs incurred for home improvement is available. 

How can you save interest?

consolidate your debt

Putting your bills together could save you £100's per month and thousands in interest saved in total, especially if you have high-interest paying debts such as credit cards, pay day loans, and some type of personal loan. 


However, your mortgage broker will review if this is advisable to consider as by adding the debts to your mortgage you're spreading the cost of the debt potentially over many years; therefore paying more in interest in the long term. 

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Your broker is 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.

More useful pieces of information

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 if you're looking to exit your current mortgage deal early, 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

We’re experts in the field

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

We can find great deals at speed

✅Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street as they're exclusive to brokers.


✅Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there answer all the questions you may have.

Rapid solutions

✅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.

If you prefer to speak face to face we can also arrange a video call. 

Debt consolidation broker

Have you been struggling to make ends meet lately?

Putting your bills together could save you hundreds of pounds per month.


The goal of a debt consolidation mortgage is to consolidate your debt by using the equity in your property to pay off your unsecured debts to bring your monthly payments down. 

Your Property Financial Ltd (FCA Number:942504) is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages.
Your Property Financial Ltd registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.