If you’ve got more than one kind of debt, there could well be an opportunity to consolidate them into one, with a debt consolidation mortgage.

Getting a debt consolidation mortgage can allow you to close other accounts, save a great amount, and just have one more affordable payment to make each month. Read more about debt consolidation here

Can you get a debt consolidation mortgage with bad credit?

Where possible, we help customers do just that. Our customers Mr and Mrs C were able to:

Get a debt consolidation remortgage, even with a poor credit history

  Secure a fixed rate of 2.10%

  Save almost £500 each month on mortgage and debt repayments

Can you get a debt consolidation mortgage with bad credit?

Where possible, we help customers do just that. Our customers Mr and Mrs C were able to:

Get a debt consolidation remortgage, even with a poor credit history Secure a fixed rate of 2.10%
Save almost £500 each month on mortgage and debt repayments

Mr C had been in an IVA, which he’d now completed, and Mrs C was currently in a Debt Management Plan. They wanted to consolidate their secured loan, plus three other debts, into a new mortgage product – hoping that this would bring down their monthly repayments.

At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £485 every month! This is making a real difference to their lives, and helping them get back on track, improving their credit score.

Previous Mortgage

Balance£61,000
Payment£490
Rate1.25%
Term12 Years

Previous Secured Loan

Balance£43,000
Payment£436
Rate10%
Term12 Years

Previous Unsecured Debts

Balance£44,320
Payment£657
RateVarious
Term13 Years

New Mortgage

Balance£150,000
Payment£1097.67
Rate2.10%
Term13 Years

Mr C had been in an IVA, which he’d now completed, and Mrs C was currently in a Debt Management Plan. They wanted to consolidate their secured loan, plus three other debts, into a new mortgage product – hoping that this would bring down their monthly repayments.

At Clever Mortgages we were pleased to be able to help them, and we secured them a new mortgage which is now saving them a significant £485 every month! This is making a real difference to their lives, and helping them get back on track, improving their credit score.

 BalancePaymentRateTerm
Previous Mortgage£61,000£4901.25%12 Years
Previous Secured Loan£43,000£43610%12 Years
Previous Unsecured debts£44,320£657VariousVarious
New Mortgage£150,00£1097.672.10%13 Years

No obligation advice on debt consolidation mortgages

Try our Mortgage Calculator – let’s see what you could borrow

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6 Great reasons to choose Clever Mortgages

Specialists in bad credit

Every member of our team is trained in bad credit situations and know how to find the right solutions for customers – helping them get the mortgage that’ll get them back on track.

Over 100 lenders

The number and quality of lenders we work with means we have access to a diverse spectrum of best-rate deals. The lenders we use means we have all areas covered – even for those in particularly niche circumstances.

Not every case is the same

As each customer’s situation is unique, we take the time to understand your situation, and we carefully assess your goals and how we’ll make sure the mortgage we get helps you to achieve them.

Access To Exclusive Rates

The relationship we have with our lenders means we have access to products and deals that simply aren’t available to customers going direct. This is true particularly for those in adverse credit situations.

Offering the best support

We know that buying or moving house and getting a mortgage is stressful, so we do our upmost to make the process as hassle-free as possible. We’re there for you at every step, always keeping you in the loop.

Excellent Reviews

We’re proud of our long-standing 5 Star Rating on Trust Pilot, and love all the positive feedback we get from customers every day. We feel privileged to help people get a great deal with far less stress.

Why use a mortgage broker?

Mortgage brokers help you find the best deals on the market – not just from one lender. With a broker you can expect:

  • Valuable knowledge, through years of experience helping customers to find mortgages
  • Improved chance at finding a mortgage, some mortgages are only available through a broker
  • Help with the application process, often just one application can be used across various lenders
  • Advice on how to improve your chances, for instance getting a guarantor or applying for a joint mortgage
About Clever Mortgages

Specialists in assessing an individual’s situation, and finding a best-fit mortgage solution for each of our customers. We can help:

  • If you want to consolidate your loans – we help customers to get back on track, by consolidating their debts into one affordable mortgage product
  • With debt consolidation mortgage, remortgages, buy-to-let, and first-time buyers mortgages. We have experts over all of these areas
  • With applications, we aim to take the hassle away. We require your details once and we’ll already know the best lenders for your circumstance
  • Our team know the lenders that are most likely to say ‘yes’, and to give the best rates too
What should I do next?

You enquire online with us today, or request a call back
Our simple form takes a couple of minutes to fill in, this will get the ball rolling

One of our experts will give you a call back to find out more about your situation
We have experts in debt consolidation mortgages, who focus solely on helping customers in difficult situations

We do all the hard work for you
We search the market for the trusted lender that’s right for you

Our expert will get back in touch
We can guide you every step of the way, and we’ll always keep you up-to-date with progress

Speak to a broker

Laura Connor
MIT Assessor

Laura is a specialist mortgage broker, with many years experience helping customers with their mortgage applications.

Call laura on
0800 197 0504

Below are some of the lenders we work with

Debt consolidation is a good solution for some mortgage customers – however, it’s not suitable for everyone. You should always review the total cost of consolidation, not just the immediate savings in terms of a reduced monthly payment.

Please be aware that any unsecured debts consolidated within the mortgage, would then be secured against your property.