Debt Consolidation Loans
From £10,000–£500,000
Simplify your repayments and reduce your monthly outgoings with a Homeowner Debt Consolidation Loan.
- Exclusive to homeowners
- Consolidate multiple debts
- Make one monthly payment
- Plans available for all credit profiles
This will not affect your credit score
Why choose a Debt Consolidation Loan?
A secured Debt Consolidation Loan allows you to combine multiple credit cards, loans, overdrafts, or other debts into one straightforward repayment. By spreading repayments over a suitable term, you can reduce your monthly outgoings and set a clear end date for your debts.
Making consistent, on-time payments can also improve your credit score, helping you regain control of your finances.
We work with lenders who allow consolidation of:
Mortgage arrears, current or historic
Credit cards, loans, and overdrafts
CCJs, defaults, or IVAs
Tax bills
Whether your debts are £10,000 or £250,000, our experienced advisors can guide you through the process, helping you simplify payments, reduce stress, and take control of your money.
How it works
Quick online application
Tell us a bit about you and your debtsPersonalised review
We compare hundreds of loans from our panel and identify the best options for your situationReceive your finance
If approved, funds are typically released within two weeksThis will not affect your credit score
Customer Review
Why choose Optimise Finance?
Extensive experience
Our advisors hold specialist qualifications to help you manage and consolidate your debts
Broad access
Our wide panel of lenders includes specialist providers and can offer competitive products, even if you’ve had credit challenges in the past
Approved and authorised
We are directly authorised by the Financial Conduct Authority
Bring plans forward with our exclusive homeowner loans. Use them for home improvements, debt consolidation, and more.
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