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Debt Consolidation Re-mortgages

We specialise in clearing debt, raising money and problem purchases. Check out the reasons below and then let us call you at your convenience for a free no obligation quotation, contact one of our advisors today on

FREEPHONE 0800 011 2948 .

Debt Consolidation can help you:

  • Combine all those high-interest credit card loans into one low interest loan.
  • Get extra cash for home improvements, a new car, or to save for any unexpected emergencies
  • Merge your bills into a single source
  • Plan your future.

Reasons to take out a debt consolidation loan

  • Reduce your total monthly payments by up to 50%
  • Take off some of the pressure you may be under from your existing creditors.
  • Have only one lender to deal with.
  • Interest rates should be lower than existing credit.
  • Continuous Credit Card Debts cleared, once and for all.
  • Avoid possible bad credit ranking
  • Feel secure knowing that you have everything under control.
  • Easier to negotiate should you have further problems in repaying your loan in the future.

If you are considering a remortgage to consolidate your debt problems, or would just like more information, contact one of our advisors today on 0800 011 2948 for an obligation free consultation

In some cases there are reasons not to take a debt consolidation loan

  • You may pay more in total as the new loan will be over a longer period.
  • You may incur some costs for setting up the new loan.
  • If secured, your home may be at risk.

Many people in the UK have a less than perfect credit history, be it arrears, defaults, county court judgments, repossession of a house in the past, bankruptcy, involuntary arrangement or involvement with a debt management company. Flexible-Finance may still be able to help! We are here to help people understand mortgages, remortgages and make their business transactions smooth and painless, we pride ourselves on our personal approach.

Mortgages are not black and white, and with so many "grey" options available (or not as the case may be), our personal service will take out the headaches involved. We have access to hundreds of schemes to match everyone's needs.

If you are trying to obtain a mortgage to buy your ideal home, buying your council house, or remortgaging to raise money we can help. Click here to see what deals we can do for you.

You can consolidate any legal debts or loans up to 90%. However, if this takes your LTV over 80%, the following exceptions may apply: credit card, store card or consolidation of previous credit or store card debt/loan, overdrafts, liquidity injection, capital raising for private purposes, tax bills, bankruptcy commitments, refinancing a 'refinance arrangement' and gambling debt.

As we have access to many lenders our aim would be to arrange a new mortgage with an lower interest rate than your current mortgage.

Change your world for the better today!!!!

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME, YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Right to Buy: The overall cost for comparison is 7.1% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration

CCJs: The overall cost for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration

IVA & Bankruptcy: The overall cost for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration.

 
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John is fully CeMAP qualified mortgage advisor. He can help you to find the best mortgage for your home, your buy to let portfolio, your holiday home, your overseas property, etc.
-- Personal visit to your home at a time to suit you .
-- Fully qualified advisor so you can be confident you will get the RIGHT mortgage for yout.
-- Making sense of mortgages and insurance .
 
Here here on your excellence!!! We will of course recommend you to all our friends!!Thanks again, you've been fab! On a more positive note, thank goodness for John, imagine dealing with this through some corporation as faceless as the insurance company".
- P & D of Watford
 
-- Debt Consolidation
-- Reduce Outgoings
-- Reduce Risk
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-- Debt management Plans. Allow you to make the repayments you can realistically afford once essential living costs have been taken into account. Will depend on the individual circumstances.
-- IVA's. Ideally suited for unsecured debts over £15000. Potentially write off a percentage of the overall debts Debt free within 3 – 60 months Safeguards house & car and avoid the consequences of bankruptcy
-- Insolvency. Working with a specialist in-house Insolvency Processing Team, headed by one of the UK’s leading Insolvency Practitioners.
 
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Fixed rates top 10
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Tracker top 10
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Discounted Rates
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Flexible Mortgage Rates
Buy To Let Top 10 rates
Buy To Let Top 10 rates
Buy To Let Top 10 rates
Buy To Let Top 10 rates
Buy To Let Top 10 rates
Buy To Let Top 10 rates

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

John Roberts is an Appointed Representative of Heron Way Associates Ltd which is authorised and regulated by the Financial Services Authority for regulated mortgage and insurance business only. Heron Way Associates Ltd is entered on the FSA register http://www.fsa.gov.uk under reference 488288.
The Mortgage information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.