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What is a Debt Consolidation Loan?: A consolidation loan offers the opportunity to put all your outstanding balances together into one block. This can include credit cards, personal loans and sometimes your mortgage.
What is a Tenant Loan?: If you do not own your own property, you will not be able borrow money secured on your home. This means that any loan you take out will be a tenant loan – or an unsecured loan.
What is a secured loan?: Secured loans enable homeowners to borrow capital against the value of their property. This means that you are effectively using your property to guarantee the loan. If you cannot keep up with the repayments, your home is at risk.
If I decide I need a personal loan, which type of lender is best?: Banks, building societies and specialist finance companies all offer personal loans. None are any better than the others in any outright sense – but because the market is so competitive, you'll need to shop around.
What happens if I want to borrow more?: To borrow more you have the option of either taking out a new loan independent of your other loan(s), or arranging with your loan provider to add onto your existing loan.

Can I use a debt consolidation loan for more than debt consolidation?

You can use a debt consolidation loan for whatever reason you want. Consolidating your existing credit with a debt consolidation loan allows you to free up money for other things, so you can get that new car, boat or caravan, pay for your dream holiday outright or have the new windows or conservatory put in.

Just because you are deciding on a debt consolidation loan doesn’t mean that your finances are in trouble – it is simply an excellent way to bring all your credit card bills and other payments together into one single payment. This way your finances are better organised and you don’t need to worry about meeting all of the different payment dates.

Since you will be free to borrow more than you need to pay back the outstanding balances, you will be able to use the extra finance for anything you want. The choice is yours, just make sure that you don’t borrow beyond your means and capability to repay

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.

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