Harbour Mortgage Savings Centre

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Debt Consolidation

If you have a lot of different debt commitments - such as credit cards and loans, then debt consolidation with a mortgage/remortgage that has a lower interest rate and lower monthly repayments could be one option to consider.

Please note that a reduction in monthly payment is likely to be achieved by increasing the term of the loan - hence the overall cost

Please also note the following:

•  securing a previously unsecured debt could result in you losing your home in the event that you cannot repay the loan.

•  If the you are experiencing payment difficulties with credit cards/loans, you should always find out whether it is possible to negotiate an arrangement with your existing creditors, before considering adding the credit cards/loans to a mortgage.

•  A higher lending charge may become payable as a result of debt consolidation.

We can advise you on consolidating debt to one easy to manage monthly payment by utilising one of the flexible mortgages we have on offer.

Whether you want to consolidate all your debt or want to have a little extra for that a new car or conservatory, we aim to help.

When consolidating debts the new re-mortgage may have a longer repayment term and therefore increase the total amount payable.

  1. Are you looking to consolidate your debts?
  2. Our specialist debt management division helps many people.
  3. As independent specialists, we have access to mortgage deals which are representative of the whole of the market.
  4. Take advantage of our no obligation initial assessment.
Debt Consolidation Form
Loan Required
Full Name
E-mail Address
Home Tel. number (inc. STD code)
Postcode (initial letters)
Please call me.  I've read the privacy statement below

Privacy Statement

"Harbour Mortgage Savings Centre will do its best to protect any information you input into this website, however the Internet is not necessarily a secure system and your privacy cannot be guaranteed. Harbour Mortgage Savings Centre has taken security steps on this website to ensure that your data is as safe as possible. If you are at all concerned about on-line security, please feel free to contact us by post/phone.

The details you have provided on this form will be used to contact you to arrange an appointment to discuss your mortgage requirements.

We may need to pass your details to another company outside of Harbour Mortgage Savings Centre Group purely to transact your requests effectively, however, your data will not be passed outside of Harbour Mortgage Savings Centre Group for any other purpose.

Customers may be contacted by other companies within the Harbour Mortgage Savings Centre Group of companies by mail or telephone with details of other products or services.

If you would prefer us not to do this, please tick this box

Otherwise we will assume that you are happy for us to contact you for the time being. You may change your mind at any time by writing to the Data Protection coordinator, at our Head Office, 31 Market Street , Abergele, Conwy , LL22 7AF ."

Data Protection Declaration

Harbour Mortgage Savings Centre and Home of Choice Ltd will process all information in accordance with the Data Protection Act 1998 and it will be treated as private and confidential now and in the future. The only exceptions to this will be when the law requires us to disclose information or, with your consent, where disclosure is necessary when arranging or servicing your mortgage or protection contracts.

To fulfill our regulatory obligations, we will retain copies of your records for no longer than is necessary or for the duration of any contract you may enter into. You have the right to inspect these records at any time.

Please tick this box if you have read, understood and agree to this

 

or call 0800 0137 616 for an appointment.

A life policy may be required, written quotations are available upon request.
There will be a fee for mortgage advice. The precise amount will depend on your circumstances,
but we expect it to be £399.00.
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