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Debt Consolidation Mortgage - Combine Debts Into Your Mortgage

Expert UK debt consolidation mortgage advice. Use your mortgage to pay off debts and reduce monthly payments by up to 75%

  • Combine debts into mortgage with one manageable monthly payment
  • Mortgage to pay off debts at lower interest rates than credit cards
  • Debt consolidation loan secured on property - unlock your equity
  • UK debt consolidation mortgage advice from FCA authorised experts
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Takes 2 minutes • No credit check • 4,600+ 5-star reviews

✓ Soft search only - won't affect your credit score
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FCA authorised • Your data is protected • No obligation

4.8★ Trustpilot (597 reviews)
4.8★ Reviews.co.uk (4,657 reviews)
Since 2005
FCA authorised

Why Choose Us for Debt Consolidation Remortgages?

We've helped thousands of UK homeowners consolidate their debts and reduce monthly payments since 2005.

💰

Reduce Monthly Payments by Up to 75%

Swap high-interest credit cards and loans (18-30% APR) for lower mortgage rates. Our customers save hundreds every month.

🎯

Consolidate Any Type of Debt

Credit cards, personal loans, car finance, store cards, overdrafts, payday loans - we can help consolidate them all into one payment.

🏆

Whole of Market Access

We search deals from over 90 UK lenders to find you the best debt consolidation remortgage rates, including exclusive deals.

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One Simple Payment Date

Stop juggling multiple payment dates and amounts. One monthly payment makes budgeting easier and reduces stress.

7-10 Day Offers

Get your personalised quote in minutes and receive a formal lender offer within 7-10 days of full application.

🛡️

FCA Regulated & Protected

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

Trusted by thousands of UK homeowners

★★★★★

"Dealt with brilliantly by Simon Tai, who sorted us out with a new remortgage and helped us save hundreds every month! As well as the great service from Simon, we were also looked after for our protection."

— Steve C., verified customer

★★★★★

"Simon's service is world class, his knowledge and advice is the best I have ever experienced. He is efficient and always does what he says he will, for example calling you when he says he will."

— Verified customer

★★★★★

"First class service provided by Deal Direct Financial Solutions Ltd, process was quick and easy. Simon Tai understood my needs and was instrumental in ensuring everything went smoothly - highly recommended."

— Verified customer

What Debts Can You Consolidate?

We help homeowners consolidate all types of unsecured debts into their remortgage, simplifying finances and reducing monthly payments.

Credit Card Balances - Swap 25%+ APR for typical 4-6% mortgage rates
Personal Loans - Combine multiple loan payments into one affordable amount
Overdrafts & Store Cards - Clear expensive overdraft charges and store finance
Car Finance & Hire Purchase - Consolidate vehicle finance into your remortgage
Payday Loans - Break free from high-interest short-term borrowing
Other Debts - Tax bills, business debts, and other secured or unsecured borrowing

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

We've sent a 6-digit code to

Email verification required

Didn't receive the code?

Code expires in 10:00

Verify your mobile number

We've sent a 6-digit code to

SMS verification required

Didn't receive the code?

Code expires in 10:00

Compare live mortgage rates

Based on your property and loan details, here are your best options from 90+ UK lenders

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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

Important: Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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

Meet Your Personal Debt Consolidation Advisors

You'll work with a dedicated expert who specialises in helping homeowners consolidate debts and reduce monthly payments.

Hayley

Hayley

Senior Debt Consolidation Advisor

★★★★★
(150+ reviews)
Simon

Simon

Senior Debt Consolidation Advisor

★★★★★
(200+ reviews)
Lee

Lee

Debt Consolidation Specialist

★★★★★
(180+ reviews)
Gareth

Gareth

Complex Case Specialist

★★★★★
(120+ reviews)

Your Debt Consolidation Journey - From Quote to Freedom

Here's exactly what happens when you consolidate debts with us

1

Get Your Free Consolidation Quote

Complete our quick 2-minute online form. Tell us about your current debts and property value. We'll instantly calculate potential savings.

Day 1 - 2 minutes
2

Speak With Your Debt Consolidation Advisor

Your personal advisor calls to review your debts, explain exactly how much you'll save, and outline the consolidation process. No pushy sales.

Day 1-2 - 20 minutes
3

We Find Your Best Debt Consolidation Deal

We compare remortgage deals from 90+ lenders and find the best rate to consolidate your debts. You'll see your new single monthly payment.

Day 2-3
4

Receive Your Formal Offer

Get your lender's formal offer showing your new consolidated payment. We handle all paperwork and coordinate with your creditors.

Day 7-10
5

Complete & Start Your New Life Debt-Free

Your debts are paid off, your remortgage completes, and you start enjoying one simple payment and hundreds saved every month!

Day 21-30

Today's Best Mortgage Rates*

Lender
Loan Type
Rate
APR
Coventry Building Society
Fixed
3.72%
5.50%
Coventry Building Society
Fixed
3.79%
6.20%
Santander
Fixed
3.80%
6.40%
Lender
Loan Type
Rate
APR
Halifax
Tracker
4.11%
7.10%
HSBC UK
Tracker
4.14%
6.30%
Santander
Tracker
4.14%
6.30%

*Rates correct as of today and subject to change. Rates shown are representative examples. Your actual rate depends on your individual circumstances.

Frequently Asked Questions About Debt Consolidation Remortgages

Everything you need to know about consolidating debts through remortgaging

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