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Debt Consolidation

Managing multiple debts alongside a mortgage can put real pressure on your monthly finances. Credit cards, personal loans, car finance – when the repayments start to stack up, consolidating those debts into your mortgage can reduce your outgoings considerably and simplify everything into a single monthly payment.

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Serving Taunton · Wellington · Bridgwater · Ilminster · Yeovil & across Somerset
★★★★★
Rated 5 stars on Google

For the right person in the right situation, it can make a meaningful difference to day-to-day life.

The key is understanding whether it’s the right move for your circumstances. Consolidating unsecured debt into your mortgage means securing it against your home, and spreading it over a longer term can mean paying more in interest overall — even if the monthly payment is lower. These are things we’ll explain clearly and honestly before making any recommendation, because debt consolidation is only worth doing if it genuinely benefits you.

We work with clients across Somerset to review their existing debts, assess their available equity, and identify whether remortgaging to consolidate makes financial sense. If it does, we’ll find the most suitable deal from across the whole market and manage the process from start to finish. If it doesn’t, we’ll tell you that too — and explore what other options might be available.

How it works

Our Process

Five straightforward steps, from your first phone call through to completion — and beyond.
Start Step 1 →
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Step 01

Get in Touch

Contact us by phone, email, or by booking online through our Calendly link. We aim to respond to every new enquiry within 24 hours and will arrange an initial consultation at a time that suits you — online or face to face.

Step 02

Initial Consultation

This is where we get to know your situation. We'll ask about your income, outgoings, deposit, credit history, and what you're looking to achieve. There's no pressure and no jargon — just an open conversation so we can understand exactly what you need.

Step 03

Your Personal Recommendation

We research the whole market to identify the most suitable option for you based on everything discussed. We'll present this as a clear, formal recommendation — explaining your options in plain English so you can make an informed decision with confidence.

Step 04

Application & Approval

Once you're happy to proceed, we submit your application to the lender on your behalf and manage the process from there. We'll keep you updated at every stage and deal with any queries from the lender directly, so you don't have to.

Step 05

Completion & Beyond

Once your mortgage completes, we don't disappear. We'll check in with you and remain your point of contact for any mortgage or property-related questions long after the process is done.

Common questions

Frequently Asked Questions

The questions we hear most from buy-to-let landlords. Tap any question to read the answer — and get in touch if yours isn’t here.
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What is debt consolidation and how does it work?

Debt consolidation involves rolling existing debts — such as credit cards, loans, or overdrafts — into your mortgage. Because mortgage rates are typically lower than consumer credit rates, this can reduce your monthly outgoings and simplify your finances into a single payment. We’ll assess whether it’s a suitable option for your circumstances and explain clearly how it would work in practice.
Most unsecured debts can be considered, including credit cards, personal loans, car finance, and overdrafts. The key requirement is that you have sufficient equity in your property to cover the additional borrowing. We’ll review your debts alongside your mortgage situation and give you a clear picture of what’s possible.
It’s important to understand that consolidating unsecured debt into your mortgage means securing that debt against your home. While your monthly payments may reduce, you could end up paying more in interest over the longer term because the debt is spread over a longer period. We’ll always explain this clearly and honestly — debt consolidation isn’t right for everyone, and we’ll only recommend it if it genuinely makes sense for your situation.
Yes, remortgaging is one of the most common ways to consolidate debt. If you have equity in your property, you may be able to borrow additional funds as part of your remortgage to pay off existing debts. We’ll assess your equity position, your current debts, and the available mortgage options to see whether this is a viable and cost-effective route.
Yes — you’ll need enough equity in your property to cover the additional borrowing. Most lenders will want to ensure the total mortgage doesn’t exceed a set percentage of the property’s value (known as the loan-to-value ratio). The more equity you have, the more flexibility you’re likely to have. We’ll calculate your current equity position and let you know what’s realistic.
Get started

Ready to take the first step?

Getting in touch is simple. Book a free consultation at a time that suits you, and one of our advisers will be with you from that first conversation all the way through to completion. No jargon, no pressure — just straightforward advice from people who genuinely want to help.
Book your free consultation →

Call
01823 746146

Email
hello@jsc-financial.co.uk