Credit cards, loans, car finance — combine them all with a second charge loan secured on your home. Keep your existing mortgage rate exactly as it is.
Juggling five payments at five different rates? Here’s how one of our clients restructured £38,500 of unsecured debt.
Representative example for illustration only. Consolidating debt over a longer term may increase the total amount repayable. Your adviser will always show you the full cost comparison before you decide anything.
If you locked in a low mortgage rate, remortgaging to raise money could cost you thousands. A second charge loan sits alongside your mortgage instead.
No need to remortgage onto today's higher rates or pay early repayment charges. Your current deal stays exactly as it is.
Swap a pile of high-interest cards and loans for a single structured payment — typically at a much lower rate than unsecured credit.
We're a whole-of-market broker. If consolidation isn't right for you, we'll tell you — and show you what is.
60-second form or a quick call. We'll listen first — your debts, your home, what you want monthly life to look like.
Your dedicated adviser compares 100+ lenders, including specialists who consider imperfect credit, and presents your best options.
We manage the application, valuation and legal work. Funds clear your debts, and you start fresh with one payment.
We were drowning in card payments after the kids came along. CoG cut our monthly outgoings by over £500 and we didn't have to touch our 1.9% mortgage. Genuinely life-changing.
Two other brokers turned me away because of a default from 2021. CoG found a lender within 48 hours and explained every step in plain English. Couldn't fault them.
I assumed I'd have to remortgage and lose my fixed rate. They showed me a second charge option I didn't know existed. Professional, patient, and zero pressure.
It's a loan secured against your home that sits behind ("second" to) your existing mortgage. Your mortgage stays completely untouched — same lender, same rate, same term. The second charge is a separate agreement, often used to consolidate debts or fund home improvements.
No. Our initial eligibility check uses a soft search, which is invisible to other lenders and has no impact on your score. A full credit check only happens later, with your explicit permission, once you've chosen to proceed.
Very often, yes. Because the loan is secured, many specialist lenders will consider defaults, CCJs, and missed payments. We work with over 100 lenders, including specialists most high-street brokers can't access.
A decision in principle typically takes under 24 hours. Most completions go through in 2–4 weeks, depending on the lender and valuation.
Honestly — no, not always. Spreading debt over a longer term can increase the total you repay, and securing debt against your home carries risk. That's exactly why you speak to a qualified adviser, not a comparison engine. We'll only recommend it when it genuinely improves your position.
It takes 60 seconds to find out what’s possible. No credit footprint, no obligation, no pressure — just clear answers.
