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Debt consolidation remortgages

Consolidating could cut monthly bills by £100s

See in real-time the latest mortgage deals from leading UK lenders. You could see how much each lender could offer you in just 3 minutes without affecting your credit score.

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.

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Accord Mortgages Limited
Affirmative Finance Limited
Aldermore Bank PLC
Scottish Widows Bank PLC
Bath Investment & Building Society
Buckinghamshire Building Society
Beverley Building Society
The Chorley and District Building Society
Coventry Building Society
Darlington Building Society
Ecology Building Society
Furness Building Society
Hinckley and Rugby Building Society
Halifax PLC
Ipswich Building Society
Leeds Building Society
Together Personal Finance Limited
The Mansfield Building Society
Monmouthshire Building Society
Marsden Building Society
Newbury Building Society
Virgin Money PLC
Nottingham Building Society
Nationwide Building Society
Progressive Building Society
Principality Building Society
Saffron Building Society
Scottish Building Society
Bluestone Mortgages Limited
Barclays Bank PLC
Cambridge Building Society
Santander UK PLC
The Mortgage Works (UK) PLC
Cambridge & Counties Bank Limited
Bank of Scotland PLC
Clydesdale Bank PLC
NatWest Markets PLC
Lloyds Bank PLC
The Co-operative Bank PLC
Octopus Property Lending Ltd
Earl Shilton Building Society
National Counties Building Society
Paratus AMC Limited
Fleet Mortgages Limited
Godiva Mortgages Limited
Hanley Economic Building Society
Hodge Life Assurance Company Limited
HSBC Bank PLC
Al Rayan Bank PLC
Kent Reliance Building Society
Keystone Property Finance Limited
Kensington Mortgage Company Limited
MBS Lending Limited
Metro Bank PLC
Magellan Homeloans Limited
Masthaven Bank Limited
Newcastle Building Society
Paragon Bank PLC
Pepper (UK) Limited
Penrith Building Society
Charter Court Financial Services Limited
The Royal Bank of Scotland PLC
Skipton Building Society
Shawbrook Bank Limited
Secure Trust Bank PLC
Swansea Building Society
Tipton and Coseley Building Society
The Mortgage Lender Limited
TSB Bank PLC
Ulster Bank Ltd
Vernon Building Society
Belmont Green Finance Limited
West Bromwich Building Society
West One Secured Loans Limited
Selina Finance
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If you’re unsure which mortgage option is right for you – call today to speak with one of our mortgage experts or talk with us via our live mortgage advisor help chat.

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See why 1,000s of customers choose to Deal Direct

  • We compare the UK mortgage market for you
  • Our mortgage advisors are with you every step of the way
  • We’ve helped thousands of happy customers get the right mortgage
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What our customers say…

Efficient & professional service

From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

Jane R.
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experience a 5 star customer service

THINK CAREFULLY BEFORE SECURING A MORTGAGE AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Deal Direct is a trading style of Deal Direct Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

The overall cost for comparison is estimated to be 6.70% APRC. Subject to circumstances, a completion fee may be payable, typically £198 upfront and £799 on completion. If your circumstances or history involves any adverse credit, complex situations or a commercial element then this may increase to a maximum of £2594 with a minimum of £99 payable upon application. Your adviser will, in all cases, confirm all costs in writing prior to any application being made.

The exact amount of commission we will receive is not known to us at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

The fees are on a per application basis & subsequent applications or amendments will incur a separate £99 application fee.

Any reference to the Financial Services Authority (FSA) in any of our documentation should be read as Financial Conduct Authority (FCA).

We are not limited in the range of mortgages we will consider for you and can offer you advice on both first and second charge loans.

We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to a lender. Whilst our lender panel is comprehensive, some lenders are not displayed – you can view a list of these here.

© 2025 Deal Direct Financial Solutions Ltd

Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.

Debt consolidation remortgages - why choose Deal Direct?

According to a recent TUC report, based on data released from the Office for National Statistics, average household debt currently sits at £11,800, which is the highest level since 2008.

Figures show that around 26.5% of annual income is being spent by house holds on servicing on loans and credit cards. Many house-holds have said that should interest rates rise they may struggle to meet their outgoing financial commitments.

With this is mind many are opting to consolidate their debt by remortgaging.

Why remortgage to consolidate expensive loans and credit cards?

Remortgage rates remain at record lows and many home-owners who owe money on higher rate credit cards and loans, are choosing to remortgage and combine debt into one lower rate month payment.

House prices are rising in the UK which means equity levels are rising too.

Those who have credit card and loan debt, in addition to mortgage payments, can release equity to combine everything into one lower interest rate under their mortgage. By consolidating all debts monthly outgoings can be lowered into a more manageable amount.

The pros of a debt consolidation remortgage:

  • Remortgage rates offered are lower than those on a standard credit card or loan.
  • It’s easier to budget one consolidated payment each month.

If you want to consolidate your debt now is a good time to do so, while rates are set low. To get the most competitive rate available to keep your payments low, you are advised to search through every lenders’ range market wide.

UK market remortgage search

There are over 100 mortgage lenders in the UK. Each has a range of fixed rate and variable remortgage products with rates, fees, criteria and LTVs set at varying levels.

There are hundreds and hundreds of re-mortgage products available in the market at any one time. This situation is further complicated by the fact that lenders continually update their ranges by new launching new deals and withdrawing product.

With so many lenders and products to choose from it’s virtually impossible to search the market alone.

For help remortgaging, call an impartial adviser at Deal Direct on 0800 029 1671. We specialise in debt consolidation remortgages.

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Why choose Deal Direct for your remortgage?

Failure to enlist the services of a mortgage adviser can mean missing out on the most competitive offer. At Deal Direct we can help you to both increase your mortgage size to consolidate debt and switch to a lower rate offer than you are currently on.

In doing this we can help you to borrow more on your mortgage while keeping your monthly mortgage payment at current levels.

  • We have vast experience sourcing debt consolidation remortgages.
  • We have help many home-owners to reduce their monthly outgoings.
  • We work in your interest and solely on your behalf and not on behalf of the lender.
  • Our advice is based on your financial needs.
  • We search a comprehensive range of lenders for the right deal.

NOTE:
Debt consolidation is not always the most suitable option. Consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term, and there may also be early repayment penalties on your current mortgage. You should therefore think very carefully before securing other debts against your home.

There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service - these services may be more suitable for you.

For advice and a low rate quote call 0800 029 1671.

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