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Find out how much you could save consolidating your debts into your remortgage today.

Credit cards, loans and other debts can all be consolidated, usually at a lower rate!

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We have helped over 62,000 homeowners save money

Gary

"Sorted in days"

Gary, Leeds
★★★★★
"I'd been putting off sorting my remortgage for months. Filled in the form on a Tuesday and had a call from an FCA-regulated adviser the next day. Clear, friendly and no pressure."
Rachel

"Just one adviser"

Rachel, Bristol
★★★★★
"I was worried I'd get bombarded with calls but it was one adviser, one conversation, and they followed up exactly when they said they would."
Michael

"No pressure at all"

Michael, Nottingham
★★★★★
"Really easy process. The adviser explained my options in plain English and gave me time to think it over before deciding anything."
Claire

"Honest with me"

Claire, Cardiff
★★★★★
"Good experience overall. The adviser was knowledgeable and honest about what would and wouldn't suit my situation."
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Why a debt consolidation remortgage

One mortgage payment can do more than you think

Fewer payments to juggle
1payment

Your mortgage and the debts you consolidate become a single payment to a single lender, on a single date, instead of a handful of due dates spread across the month.

Why timing matters
6 years
Missed paymentsDefaultsCCJs

Each one usually stays six years on your credit file, and a new one starts its own. Acting sooner keeps more lenders in play.

What gets rolled in
Credit cards
Car finance
Personal loans
One mortgage payment

If it goes ahead, these balances are cleared on completion and the amount becomes part of the mortgage secured on your home.

Use the equity you already have
The debt moves.

A debt consolidation remortgage borrows against the value you have built up in your home and repays your card and loan balances on completion. You keep the house. What you owed on cards and loans becomes part of one secured mortgage.

  • Your equity
  • Now part of your mortgage

An illustration of how it works. Every home is different.

Credit history
Missed paymentsDefaultsCCJs

A perfect record is not the starting point. Some lenders still consider applications with these on file.

Loan to value
Borrowing Your equity

More equity means more lenders will look at you

You choose the term
Longer termShorter term
Monthly payment↓ lower↑ higher
Interest overall↑ more↓ less

A longer term lowers the monthly payment but costs more in interest overall. Which way you go is your call, and your quotes show you both figures before you decide.

Check my options

How it works

1

Answer a few questions

About 60 seconds. What you owe, roughly what your home is worth and what you still owe on it. It won't affect your credit score.

2

Get your accurate quotes

Worked out for your circumstances, with both routes compared. One firm, not a call centre, and you will be told honestly if neither route suits you.

3

Compare your quotes and decide

You see the monthly payment and the total repayable before you commit to anything. You can stop at any point.

Frequently asked questions

No. Equiclear does not carry out credit searches. By submitting the form you agree to the broker carrying out a soft credit search when it receives your enquiry, though not all brokers do. A soft search is visible only to you and the broker, does not affect your credit score and cannot be seen by other lenders. A lender runs a full search only if you go on to apply.
It is a new mortgage, with your existing lender or a different one, that is large enough to pay off your current mortgage and your unsecured debts at the same time. The extra amount is called capital raising. On completion the new lender repays your old mortgage and the solicitor pays your creditors, and from the next month you make one payment.
Not necessarily. Many people do, because mortgage rates are usually well below credit card rates, but it depends on your rate, your term and how much you consolidate. Spreading debt over a longer term can lower the monthly payment while increasing the total you repay. Your quotes show both figures.
Sometimes. Some lenders consider missed payments, defaults and CCJs on a remortgage, though high street lenders are stricter than the specialist second charge market. If a remortgage is not realistic, you will be told, and a secured loan can be looked at instead.
Leaving a fixed deal early can trigger an early repayment charge, typically a percentage of the balance. If that charge is large, a secured loan alongside your existing mortgage may work out cheaper. This is checked before your quotes are worked out.
A remortgage commonly completes in six to eight weeks, sometimes longer if the valuation or legal work is slow. A secured loan is usually faster. You will get a realistic timescale for your situation with your quotes.
Fill in the form and one FCA authorised broker will be in touch by email, SMS or phone with your quotes. We pass your details to a single firm, not to a panel. You can ask them to stop at any time.
Lenders look at the new mortgage as a share of what your home is worth, which is called loan to value. Many mainstream lenders go to around 85%, and some specialists go higher. The lower that percentage, the wider the choice of lenders and the better the terms tend to be. Your quotes are based on what your equity supports.
There can be a lender arrangement fee, a valuation fee, legal costs and a broker fee from the adviser. Some lenders include free legal work and a free valuation on remortgages. Nothing is payable to Equiclear at any point. Every cost is set out in writing with your quotes, before you commit to anything.
No. You choose which balances to include. Some people consolidate only their highest cost borrowing and keep a cheap car finance agreement running separately. You can go through what makes sense for you when you get your quotes.
Check your options. Free and no obligation.