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Stop Juggling Repayments. Simplify Your Debt Today.
Our guide on consolidating multiple debts into One monthly payment
Join 1,000’s of happy customers.
Why Debt Consolidation?
Credit cards. Personal loans. Overdrafts. Car finance.
When you have multiple debts going out on different days, with different interest rates, it is easy to feel like you are losing track of your own money.
If you are a homeowner, you could use the equity in your property to clear the clutter and take back control.
Is Debt Consolidation Right For You?
Before making a decision, ask yourself these questions:
- Am I struggling to keep track of multiple payment dates?
- Could I secure a lower overall interest rate by combining my debts into one secured loan?
- Are high-interest credit cards eating up my monthly income?
- Do I have equity in my home that could be working for me?
- Would one fixed monthly payment reduce my financial stress?
Who this is for: This approach is built specifically for homeowners who want to simplify their finances.
It is ideal if you want to trade high-interest, scattered borrowing for a single, structured loan secured against your property.
Or keep reading for more information!
The Homeowner Advantage
The Old Way
Multiple repayment dates
Juggling different lenders
Stressful budgeting
With Consolidation
One single payment day
One clear lender
Clear monthly visibility
How It Works
Debt consolidation allows you to take out a loan secured against your home to pay off your scattered, unsecured borrowing.
🔓 Unlock your equity: Use the value tied up in your property to clear credit cards and personal loans.
1️⃣ Streamline your budget: Bring all those frustrating payments into one single, structured repayment.
📉 Potentially lower your outgoings: While consolidation extends the term and doesn’t reduce your total debt,
it can significantly reduce how much leaves your bank account each month.
Find Out What Is Possible
Every homeowner’s situation is unique. Take our fast, free eligibility check to see how much you could consolidate based on your property value
Checking your eligibility takes less than a minute and won’t impact your credit score
Why choose a broker like Beagle Finance?
Navigating secured loans and debt consolidation can be complex.
Here is why using a specialist broker makes sense:
- Access More Options: We can search across a wide panel of lenders, including specialist providers who do not deal directly with the public.
- Save Time and Hassle: We do the heavy lifting for you – comparing rates, crunching the numbers, and managing the paperwork.
- Tailored Expertise: Your financial situation is unique. We match you with the right product for your specific circumstances, rather than offering a one-size-fits-all solution.
- Protect Your Credit Score: Because we know lender criteria inside out, we know exactly where your application is most likely to be accepted, avoiding unnecessary hard credit checks.
Additionally, at Beagle Finance we have built a strong reputation by always doing our best to help customers find a viable solution.
We believe in treating you fairly, which means taking the time to listen to your unique needs, providing honest information, and genuinely helping you secure the right financial outcome.
Client Testimonials
Find out why were rated exceptional on Feefo. You can find more of our reviews here (opens in a new tab.)
Take our quick quiz to receive your quote.
Takes about 30 seconds. No impact on your credit score.
- Fast turnaround
- Loans from £10k to £1m
- Loans to suit every situation
- Won't impact your credit score
- Rates from 5.75%
Representative example
If you borrow £10,000 over 10 years at an Annual Interest Rate of 5.75% (variable) you would make 120 payments of £127.28 per month. The total amount repayable will be £15,273.00 (This includes a lender fee of £595 and a broker fee of £1,000 which have been added to the loan.). The overall cost for comparison is 9.5% APRC representative. Maximum APR 65.2%.
Secured Loans from £10,000 to £1,000,000 and from 36 months to 360 Months.
All rates and terms are accurate as of 1 July 2026, but may be withdrawn or amended at any time.
Beagle Finance is a trading style of Simple Financial Planning Ltd, incorporated 2013 (reg SC457259). Simple Financial Planning are authorised and regulated by the Financial Conduct Authority (reg: 617941). Simple Financial Planning is registered with the Office of the Information Commissioner (reg ZA027026). 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. The FCA does not regulate some forms of Buy to Let mortgages.