Debt Consolidation Loans
for UK homeowners looking for home loans
Debt Consolidation Loans
Debt consolidation loans are the most common type of home loan that UK homeowners apply for. Debt consolidation loans are
loans to consolidate several different debts that you already have. For example, you may have an overdraft, a credit card and a loan, or
you may have several credit cards, you can put all these together into one loan and this is called debt consolidation.
Debt consolidation loans are for anyone. We can help get a debt consolidation loan approved for you by introducing you to finance companies
who will help you shop around, if you are a homeowner or a non
homeowner, if you are self employed without accounts or employed, even if you are on social security benefits. If you are a homeowner,
you have the extra option of choosing debt consolidation home loans and these may be more beneficial for you.
Debt consolidation home loans
Debt consolidation home loans are consolidation loans that are supported by equity in your property. They are sometimes known as
secured loans or second mortgage loans. Debt consolidation home loans have many benefits compared to debt consolidation unsecured loans.
- Low rates- Debt consolidation home loans rates are usually lower than personal loan rates because they are considered
lower risk to lenders. Low rates means low cost repayments.
- Less questions- for example, if you are a self employed person with no accounts, debt consolidation home loans lenders
will agree to self certify your income. This means you don't have to prove your income.
- Long terms- Personal unsecured loans are often restricted to a maximum of 10 years repayment. Debt consolidation home
loans can be taken up to 25 years and sometimes even beyond your normal retirement age meaning you can keep your repayments low and
affordable.
- Bigger loans- Unsecured personal loans are often restricted to a maximum of £15,000. There is often no limit on the
size of debt consolidation home loans. This is especially useful if you need a large debt consolidation loan as you can borrow more
to clear all debts.
- Adverse credit approved- Most unsecured lenders will decline an application with adverse credit. Debt consolidation
home loans lenders are more flexible and are even able to ignore some adverse. This means more adverse credit loans are approved
at lower rates.
Adverse credit debt consolidation
The following types of adverse credit is not usually a problem for debt consolidation loans lenders:
- Poor credit rating credit search or score
- Declined elsewhere
- CCJs
- Defaults
- Mortgage arrears problems
- Bad credit bankruptcy and IVAs
- Missed credit card payments
Debt consolidation and other
Frequently we find clients requesting money for something and at the same time they take the opportunity to consolidate debts. In the
past we have had many requests including:
- New kitchen and credit card consolidation
- New car and debt consolidation
- Consolidation and holiday
- New conservatory and loans consolidation
Our lenders can normally approve debt consolidation loans for almost any purpose, what is your request?
Debt consolidation loans quotes online
The debt consolidation loans companies we use have a lot of experience in the debt consolidation loans market, their processing
systems are professional and their staff are friendly. We have been really pleased with their efficiency.
Apply online here for free quotes from them. You can compare low rate quotes and select the best, cheap, fast debt consolidation loan for you.
You are under no obligation to proceed with any quotes.
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No obligation quotes
No equity required
Low rates
Any purpose loans
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