DEBT CONSOLIDATION
Take back control of your finances.
Credit cards, personal loans, store finance, car loans — when there are too many repayments and the interest is eating you alive, consolidation can give you breathing room and a clear way forward.
The hardest part isn't the debt itself. It's the feeling that you've lost control of your own finances. The first thing we do is hand that control back.
Most people we help with debt consolidation aren't bad with money — they're busy, life happened, and the debts crept up. A credit card here, a car loan there, a personal loan for an unexpected expense. Each one was sensible on its own. Together they're suffocating.
Debt consolidation is the process of rolling those individual debts into one larger loan — usually secured against your home — at a much lower interest rate. The result is one repayment, one due date, and significantly less interest going out of your pocket every month.
It's not a magic fix. It needs to be done thoughtfully. But for the right situation, it's the cleanest way to break the cycle.
WHAT WE CONSOLIDATE
Common debts to roll into one.
Four reasons to come to us first.
Lower interest rate
Home loan rates are dramatically lower than credit card or personal loan rates.
One repayment
One date, one amount, one lender to deal with. Massively simpler to manage.
Better cash flow
Reduced monthly outgoings free up money for the things that actually matter.
Credit score recovery
Closing accumulated facilities and meeting one payment cleanly helps rebuild your credit over time.
An important honest note
Consolidating short-term debt into a long-term loan secured against your home isn't always the right move. You can end up paying less per month but more in total interest if the new loan runs for 25 years. The numbers need to make sense for your specific situation, and the discipline of not running up the cards again afterward is what makes consolidation actually work. We'll model it both ways before recommending anything.
Frenquently Asked Questions
Will consolidating debt hurt my credit score?
The application creates one credit enquiry on your file, which dips your score slightly in the short term. However, once existing facilities (credit cards, personal loans) are paid out and closed, your overall credit utilisation drops dramatically and your score typically recovers within 3–6 months — often higher than before.
Do I have to close my credit cards?
Most lenders require you to close the consolidated credit cards as a condition of the new loan — and frankly, this is good practice. Keeping them open after consolidation is how people end up doubling their debt. We can usually leave one low-limit card open for emergencies.
What if I don't own a home?
Consolidation is still possible through an unsecured personal loan — the rate won't be as low as a home-loan-based consolidation, but it can still be substantially better than credit card rates and gives you the simplicity of one repayment. We'll compare both options if relevant.