Help guide
Rolling debts into a mortgage: trade-offs
Why consolidation can cut monthly outflows, how it can increase total interest if the term stretches, and lender responsible lending checks — information only.
Why people consolidate
Replacing high-rate cards and personal loans with a lower-rate secured loan can improve monthly cashflow — provided spending behaviour stabilises.
Stretching term can lower payments but raise lifetime interest — model both monthly and total cost.
Lender lens
Lenders assess whether the new repayment is sustainable and may require closed card facilities for high-risk profiles.
Securing previously unsecured debt converts risk — understand that your home becomes the backstop.