Roll your debts into your mortgage. Pay less each month.
Remortgage to clear credit cards, loans, and other borrowing in one go. One lower monthly payment, one lender, one clear plan. Albot checks 100+ lenders to find the right deal.
Your Remortgage Consolidation
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What is a debt consolidation remortgage?
A debt consolidation remortgage replaces your current mortgage with a larger one, using the extra borrowing to pay off credit cards, personal loans, car finance, and other debts. You end up with one monthly payment to one lender, usually at a much lower rate than the debts you cleared.
It works because mortgage rates are significantly lower than credit card or personal loan rates. By rolling those balances into your mortgage, you can reduce what you pay each month by hundreds of pounds.
This only works if you have enough equity in your home. The new mortgage needs to cover your existing balance plus the debts you want to clear, while staying within the lender's maximum loan-to-value (LTV) ratio.
Your adviser will calculate whether a consolidation remortgage makes financial sense for your situation, including the total cost over the full term, before recommending anything.
Important: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Consolidating unsecured debts into your mortgage may mean you pay more interest overall due to the longer term.
Remortgages are regulated by the Financial Conduct Authority (FCA). Applications are handled by Loan.co.uk, which is authorised and regulated by the FCA. You're protected by strict rules on fair treatment, clear information, and responsible lending.
Remortgage vs Secured Loan
Two ways to consolidate debt
Remortgage
Secured Loan
Your adviser checks both routes and recommends
When does a consolidation remortgage make sense?
Not every situation calls for a remortgage. Here are the scenarios where it works best.
Credit card balances growing
Minimum payments barely touch the balance while interest compounds. Rolling card debt into your mortgage at a fraction of the rate can cut hundreds from your monthly outgoings.
Mortgage deal ending soon
Your fixed rate is about to expire anyway. Consolidating at the same time as switching to a new deal means you avoid two separate processes and two sets of fees.
Property value has risen
If your home is worth more than when you last mortgaged, your LTV has improved. That gives you room to borrow more at a competitive rate and clear existing debts.
Car finance, loans, and store cards
Multiple finance agreements with different end dates and interest rates. Clearing them all through your remortgage simplifies everything into a single predictable payment.
Reducing monthly pressure
When total monthly debt payments are squeezing your budget, consolidating into one lower payment gives you breathing room. Your adviser will make sure the overall cost still works for you.
Funding home improvements too
Clear debts and raise capital for an extension or renovation at the same time. One remortgage, one process, one set of fees. More efficient than arranging these separately.
Other debts people consolidate through remortgaging:
Why remortgage to consolidate?
A consolidation remortgage can transform your monthly finances. Here's what changes when you roll your debts into one mortgage payment.
Dramatically lower monthly outgoings
Credit cards charge 20-30% APR. Personal loans 7-15%. Car finance 8-15%. Mortgage rates are a fraction of these. Rolling everything into your mortgage at a lower rate can cut your total monthly payments by hundreds.
One payment, one date, one lender
No more juggling multiple due dates, minimum payments, and different interest rates. A single monthly direct debit replaces the chaos. Simpler to manage, easier to budget.
Switch your rate at the same time
If your mortgage deal is ending, you're remortgaging anyway. Adding debt consolidation at the same time means one process instead of two, one set of fees, and a fresh start on everything.
Potential to improve your credit profile
Clearing credit card balances and closing revolving credit accounts reduces your credit utilisation. Over time, this can help rebuild your credit score, though results depend on your overall financial behaviour.
Fixed payments for certainty
Choose a fixed-rate remortgage and you know exactly what you'll pay each month for the duration of the deal. No surprises from variable credit card rates or changing loan terms.
Access to 100+ lenders
Not all lenders allow debt consolidation as a remortgage purpose. Albot checks across those that do, including specialist lenders who consider applications where credit history isn't perfect.
Three steps to consolidate and save
From first check to lower monthly payments. Here's what happens when you use Albot.
Tell us about your debts
Enter your current mortgage, your outstanding debts, and your property details. Takes 90 seconds and won't affect your credit score.
⏱ 90 secondsSee what you could save
Albot checks 100+ lenders that allow debt consolidation and shows you your potential new monthly payment, including all debts rolled in.
⚡ Instant resultsAdviser handles it all
A qualified adviser from Loan.co.uk reviews your options, confirms the total cost over the full term, and manages your remortgage application to completion.
👤 FCA regulatedThe smarter way to consolidate through your mortgage
We combine instant comparison with expert advisers so you get the right deal without the legwork.
Instant comparison
Check 100+ lenders in seconds. See your new consolidated monthly payment and potential saving before speaking to anyone.
Expert adviser support
Qualified advisers at Loan.co.uk check that consolidating is right for your situation and handle your full remortgage application from start to finish.
Total cost transparency
Your adviser shows you the full picture: monthly saving, total cost over the term, and any fees. No hidden costs, no surprises at completion.
No credit footprint
Checking your consolidation options uses a soft search. It won't appear on your credit file or be visible to other lenders.
Common questions about debt consolidation remortgages
Everything you need to know before consolidating.
Will I end up paying more overall?
It depends on the term. Your monthly payments will almost certainly be lower, but because mortgage terms are longer (typically 20-30 years vs 3-5 years for a personal loan), you could pay more in total interest over the full term. Your adviser will show you the total cost for both options so you can make an informed decision. You can also choose to overpay to reduce the total cost.
How much equity do I need?
You need enough equity to cover both your existing mortgage balance and the debts you want to consolidate, while staying within the lender's maximum loan-to-value (LTV). Most lenders cap at 85-90% LTV for consolidation remortgages. For example, if your home is worth £300,000 and a lender offers 85% LTV, you could borrow up to £255,000. If your current mortgage is £200,000, that leaves £55,000 available for debt consolidation.
Can I consolidate with a less-than-perfect credit history?
Yes, though your options may be more limited. Some mainstream lenders are cautious about debt consolidation remortgages where there's been credit difficulty. Specialist lenders are often more flexible. If a remortgage isn't possible due to credit issues, a secured loan (second charge) may be an alternative route to consolidation that lets you keep your existing mortgage deal. Your adviser will check both options.
What about early repayment charges on my current mortgage?
If you're still within a fixed or tracker deal period, your current lender will usually charge an ERC (typically 1-5% of the outstanding balance). Your adviser will calculate whether the monthly saving from consolidating outweighs the ERC cost. If not, waiting until your deal ends, or using a secured loan instead, may make more sense.
What's the difference between a consolidation remortgage and a secured loan?
A consolidation remortgage replaces your existing mortgage with a new, larger one that includes funds to clear your debts. You end up with one payment to one lender. A secured loan (second charge) sits behind your existing mortgage as additional borrowing. You keep your current mortgage deal and make two separate payments. Your adviser will recommend whichever route gives you the better overall outcome.
Do all lenders allow debt consolidation remortgages?
No. Some lenders restrict or decline remortgage applications where the primary purpose is debt consolidation. Others limit the proportion of borrowing that can be used for consolidation (for example, no more than 50% of the total loan). This is why checking across 100+ lenders matters. Albot finds the lenders that accept consolidation as a purpose and offer competitive rates for it.
How long does a consolidation remortgage take?
Typically 4-8 weeks from application to completion, the same as a standard remortgage. The process involves a property valuation, legal work, and the new lender reviewing your debts as part of their affordability assessment. Starting 3 months before your current deal ends gives you plenty of time to explore your options without pressure.
See how much you could save in 90 seconds
No commitment, no credit check, no upfront fees. Just a clear picture of what consolidating through your mortgage could look like.
Check what I could saveRepresentative Example (Remortgage with Consolidation)
If you remortgage £150,000 over 20 years on a fixed rate of 4.99% for 2 years, then reverts to the lender's standard variable rate of 7.99% for the remaining 18 years, you would make 24 monthly payments of £989.10 and 216 monthly payments of £1,183.45. The total amount repayable would be £279,569. The overall cost for comparison is 7.8% APRC representative. This means 51% or more of customers receive this rate or better for this type of product. A broker fee may apply; your adviser will confirm all costs before you proceed.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Consolidating unsecured debts into your mortgage may mean you pay more interest overall due to the longer mortgage term. Your adviser will explain the total cost over the full term before recommending this option.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to Loan.co.uk Ltd, which acts as a credit broker, not a lender. Rates are subject to status, affordability checks and lender criteria.