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Debt Consolidation
If you’re juggling multiple debts—like credit cards, personal loans, or car finance—consolidating them into your mortgage can make life easier. At Secure Mortgages, we help you roll all your high-interest debts into one manageable home loan with a lower interest rate and a single monthly repayment.
By consolidating your debt, you could improve your cash flow, reduce financial pressure, and save on interest over time. Our advisors will assess your situation and recommend the smartest way forward—without judgment, just solutions.
Why Choose Secure Mortgages?
What types of debt can I consolidate?
You can combine credit card debt, personal loans, car loans, and other high-interest repayments into your mortgage.
Will I actually save money by consolidating?
In most cases, yes. Mortgage interest rates are much lower than unsecured debt. We’ll calculate your potential savings before you proceed.
Does it extend the life of my debt?
Possibly—but your repayments are lower and more manageable. We’ll help you structure it to pay off your loan faster if that’s your goal.
Will this affect my credit score?
It may temporarily dip during the refinance process, but successfully consolidating and repaying your debt can improve your score over time.
Do I need to refinance my whole mortgage to consolidate debt?
Not necessarily. We can explore top-up options or partial refinancing depending on your lender and financial goals.