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Get a Mortgage Quote Advice, mortgages, information and guides from mortgage brokers. Find mortgage brokers specialising in mortgages for debt consolidation. Find advice, information and guides on mortgages for the self employed, discharged bankrupts, IVA mortgages, mortgages with CCJ's, information on debt consolidation, poor credit and bad credit mortgages, advice on mortgage arrears, guides on self employed mortgages, mortgages with county court judgements and solutions for poor credit mortgages through specialist mortgage brokers.

Debt consolidation is the process of taking out one single loan or mortgage to pay off many other loans and debts. This is often done in order to obtain a lower interest rate, or to have the benefit of one single monthly repayment.

Often, debt consolidation is used as a way of taking several unsecured debts (such as credit cards and personal loans) and repaying them using a mortgage - a form of secured loan. The interest rates on secured loans such as mortgages are normally lower than the interest rates on unsecured borrowing. Therefore, debt consolidation mortgages can often mean that your total monthly outgoings are reduced. This can be useful if you are struggling to meet the repayments on various unsecured loans.

The downside is that a debt consolidation mortgage will usually run for a longer term than the original unsecured loans it is used to clear (typically 25 years). This means that, in the long run, you may end up paying more in interest charges by taking out a debt consolidation mortgage. But if that means you can keep up the monthly repayments rather than default on your credit card debts and end up with bad credit, then for some people a debt consolidation mortgage can be the best solution.

Even people who have current or past credit problems such as bad credit in the form of mortgage arrears, county court judgements (CCJs), defaults, IVAs, can usually arrange a debt consolidation mortgage to help them clear their existing debts.

So, if your credit card or personal loan repayments are a problem, why not let Clean Slate Mortgages put you in touch with a specialist debt consolidation mortgage broker. They will be able to provide you with the information or guidance you need to determine if a debt consolidation mortgage is the right solution for your debt problems.


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