Why choose a secured loan over a standard personal loan?

Personal loans are usually capped at £25,000 and shorter terms. A secured loan allows you to access larger sums by using the equity in your home, often at lower interest rates, making it easier to wrap multiple high-interest debts into one manageable monthly payment.

Will consolidating my debt lower my monthly outgoings?

In most cases, yes. By spreading the debt over a longer term and securing a lower interest rate than credit cards or store cards, your monthly commitment should drop. However, remember that extending the term may mean you pay more interest in total over the life of the loan.

Does debt consolidation damage my credit score?

The initial application involves a hard credit check which might cause a temporary dip. However, in the long run, consistently making one affordable payment instead of juggling multiple creditors often helps improve your credit score.

Is my home at risk if I consolidate my debts?

Yes. Because the loan is "secured" against your property, your home may be repossessed if you do not keep up with the repayments. We always ensure the loan is affordable for you before moving forward.

Debt Consolidation | Ezra Finance

One payment. One rate.

Zero stress.

Trade the stress of multiple high-interest bills for one simple payment, using a secured loan to create the financial space and peace of mind you deserve.

Take Control. Consolidate Your Debt into One Manageable Payment.

Managing multiple credit cards, store cards, and personal loans can feel like a stressful, high-interest juggling act. At Ezra Finance, we specialise in helping homeowners use a secured loan to roll all that expensive, disparate debt into one single, lower-rate monthly payment. This isn’t just about getting organised; it’s about regaining your financial freedom.

Borrowing Amounts: From £10,000 to £500,000+

Flexible Terms: 3 to 30 years to suit your budget.

Keep Your Rate: Your existing mortgage remains exactly as it is.

All Income Welcome: Specialist solutions for the self-employed and complex incomes.

Credit Status: We work with lenders who look past CCJs, defaults, or missed payments.

Speed: Fast-track processing with funds often released in weeks, not months.

Why a Secured Loan is the Smart Choice?

One Simple Payment

Replace chaos with clarity. You’ll move from multiple bills to having a single, fixed payment leaving your account each month.

Keep Your 1st Rate

We consolidate your debt without touching your first mortgage, meaning you keep your low rate and avoid high exit fees.

Monthly Savings

Secured loans often offer much lower rates than credit cards or personal loans, instantly reducing your total outgoings.

A Clear Path

We structure the loan with a fixed term, so you can see the exact date you will be entirely debt-free.... need to re-word

Let's Look at a Customer Example..

Loan Amount: £82,000

Scenario: The customer had quite a bit of equity in their home but was spending around £1,600 per month on unsecured debt, leaving them with very little monthly cash.

By consolidating credit cards and a high-interest loan, this secured loan reduced there committed monthly expenditure by £950, resulting in significant savings both in the short and long term.

Their future intention is to remortgage and absorb this second charge at the end of the fixed period.

Frequently asked questions

Debt Consolidation FAQs

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Ready to Apply?

Get in touch and one of our advisors can guide you through the process