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Since 2005
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Why Remortgage to Consolidate Debt?

We help homeowners use their property's equity to clear high-interest debts and improve cash flow.

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Replace High-Interest Loans

Swap credit cards and loans at 18-30% APR for lower mortgage rates - typical mortgage rates save you thousands in interest.

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One Simple Payment Each Month

Stop juggling multiple payment dates and amounts. Consolidate everything into one affordable monthly payment.

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Improve Cash Flow & Reduce Stress

Lower monthly payments mean more money in your pocket. Reduce financial stress and regain control of your finances.

Options for Good and Bad Credit

We work with 90+ lenders offering solutions for all credit profiles. Soft credit checks won't affect your score.

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Whole-of-Market Access

Access to 90+ lenders means we find you the best debt consolidation remortgage deal, including exclusive rates.

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FCA Regulated & Protected

Fully authorised and regulated by the Financial Conduct Authority. Your data and interests are protected.

Is It a Good Idea to Remortgage to Pay Off Debt?

It can be — but it depends on your circumstances. If you have equity in your home and want lower monthly payments, a remortgage for debt consolidation could make sense. However, it's important to understand the risks before proceeding:

⚠️ Important Considerations

  • ⚠️ You'll be securing your debts against your home
  • ⚠️ You may pay more interest over the long term
  • ⚠️ Your home may be repossessed if you do not keep up repayments

That's why speaking with an independent, CeMAP-qualified adviser is essential.

Example Savings

See how much you could save by consolidating debts into your remortgage

Before After
£20,000 in loans & cards at 18% Consolidated into mortgage at 5.2%
Multiple payments One monthly payment
£950 total per month £680 total per month

(Example only — actual savings vary based on your individual circumstances)

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How It Works

Your debt consolidation journey in 4 simple steps

1

Complete the Short Form

Takes just 2 minutes to tell us about your debts and property. We only run a soft search which won't affect your credit score.

2 minutes
2

We Compare Lenders to Find Your Best Deal

Our expert advisers search 90+ lenders to find the most suitable debt consolidation remortgage for your circumstances.

1-2 days
3

You Get a Clear, Written Quote

Receive a transparent quote with no obligation. We'll explain exactly how much you'll save and what happens next.

No obligation
4

If You Proceed, We Handle Everything

From application to completion, we manage the entire process. Your debts are cleared and you start saving money.

Application to completion
Start My Free Assessment →

Step 1 of 22

Select type of mortgage?

Choose the type of mortgage product you're looking for

Total mortgage amount needed?

Enter the total amount you need to borrow (minimum £25,000)

What is the reason for the remortgage?

This helps us find the right lender and product for your needs

How long do you want the mortgage for?

The total length of time you'll repay the mortgage

How will you repay the mortgage?

Most people choose 'Repayment' where you pay off the capital and interest each month

What is your current mortgage balance?

The amount you still owe on your existing mortgage

Who is your current mortgage lender?

Select the bank or building society you currently have your mortgage with

What is your property postcode?

This helps us find the most suitable mortgage products for your area

What is your current property value?

Your best estimate of what your property is worth today

First name

Last name

Your email address

We'll send your quote and a 2FA verification code to your email

We never share your data

Your mobile number

We'll send a 2FA verification code via SMS to confirm your identity

Review your details

Please check your information is correct before continuing

Mortgage Type:
Mortgage Amount:
Remortgage Reason:
Mortgage Term:
Repayment Method:
Current Balance:
Current Lender:
Property Postcode:
Property Value:
Name:
Email:
Mobile:

Verify your email address

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Didn't receive the code?

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Verify your mobile number

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Compare live mortgage rates

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Who is applying for this remortgage?

Tell us if this is a single or joint application

Upload your documents

To verify your identity and income, we need a few documents. All files are encrypted and secure.

Employment details

Tell us about your current employment

Confirm your address

Please verify your current residential address

Book your call with an advisor

Choose a date and time that works for you

Office Hours:

Monday & Tuesday: 09:30 - 19:00 (7pm)

Wednesday, Thursday & Friday: 09:00 - 18:00 (6pm)

Closed on weekends and bank holidays

Deal Direct Financial Solutions Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Getting a quote won't impact your credit score.

Common Questions

Everything you need to know about remortgaging to pay off debt

Why Choose Deal Direct Financial Solutions?

Trusted by thousands of UK homeowners since 2005

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Established 2005

Nearly 20 years' experience helping UK homeowners consolidate debts and reduce monthly payments.

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FCA Authorised

Fully authorised and regulated by the Financial Conduct Authority. CeMAP qualified advisers you can trust.

4,600+ 5-Star Reviews

Excellent ratings across Google, Trustpilot, and Reviews.co.uk from real customers who've saved money.

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No Upfront Fees

No upfront fees and no obligation advice. We're here to help, not pressure you into a decision.

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UK-Based Experts

UK-based expert advisers available 7 days a week. Speak to real people who understand your needs.

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No Obligation Advice

Get expert advice with no obligation to proceed. We'll explain all your options clearly and honestly.

See How Much You Could Save Today

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