Debt Consolidation for Homeowners Struggling with High Monthly Payments

If you've been declined for a remortgage due to bad credit, your mortgage company says its not affordable — or you're tied into early repayment charges — a secured loan might offer a way to lower your monthly payments and regain financial control.

Mortgage for debt consolidation in Greater Manchester

24 - 5 Star Reviews ⭐⭐⭐⭐⭐ on Google. Read our Testimonials

Struggling With Debt? A Secured Loan Could Help You Reduce Monthly Outgoings Without Changing Your Mortgage

Who This Helps?

We regularly help homeowners who:

  • Have been declined for a remortgage or further borrowing due to credit history or affordability

  • Are managing multiple credit cards and loan payments each month

  • Can’t remortgage yet because of early repayment penalties

  • Need to reduce monthly outgoings to manage cost of living

  • Want to consolidate debt without changing their mortgage

How We Help Clients who need to consolidate debt in Wigan, Bolton and Leigh

Your Debt Consolidation Journey Starts Here:

  1. Free Consultation:

    • We’ll discuss your goals and financial situation.

  2. Tailored Advice:

    • Whether you want to lower your monthly outgoings, change multiple payments into one monthly payment, or just get control of your finances

  3. Step-by-Step Guidance:

    • From choosing the right mortgage or secured loan product to navigating affordability checks, we simplify the process.

Kay Heath

Fantastic and appropriate advice offered by Chris and team to secure my future financially. Professional but person centred to make sure I felt valued and listened to. Thanks Chris ⭐⭐⭐⭐⭐

FAQs About Buy-to-Let Mortgages

  • Why People Are Turning to Secured Loans?

    Even if you've been turned down by a bank or have imperfect credit, there may still be options to reduce your monthly outgoings and make debt more manageable, all without touching your current mortgage deal.

  • Can I get a secured loan with bad credit?
    Yes, some lenders specialize in helping homeowners with less-than-perfect credit.

  • How do lenders assess affordability for secured loans?
    Lenders typically take a similar approach to mortgages, but can be more flexible than your typical high street bank

We offer free, no-pressure guidance — just a quick chat to explore if a secured loan might reduce your monthly outgoings in Greater Manchester, Bolton, Wigan, and beyond.