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Do I enjoy one monthly payment?

Will my interest and charges be stopped?

Am I debt free in a fixed period of time?

Will I be able to get debt written off?

Is this a confidential arrangement?

Do I avoid borrowing more money?

Can I consolidate all of my unsecured debt?

Can I avoid selling my home?

Re Mortgaging is one of the most commonly used methods of consolidating debt.

With a Re Mortgage you are effectively releasing money from your property or asset with a view to paying off some or all of the unsecured debts such as credit card debt or bad debt. Ideally the new Re Mortgage payment would be considerably less than what you were previously paying to your unsecured debts.

Choosing a Re Mortgage is much like choosing the original Mortgage. You must consider how much you property is worth as this will of course effect the amount of money your are able to release.

Furthermore your credit rating will effect the type of Re Mortgage available to you as well as the interest on the borrowing.

When considering a Re Mortgage you should make sure that the amount of money being released will be able to completely consolidate debt in its entirety, I.e. All of the unsecured debt is paid off.

You must also be aware that borrowing money against your property can be dangerous as *if you start missing payments then you could risk loosing your home.

In truth if you are looking to consolidate debt then you may also be struggling with your current debt and borrowing more money may be a slippery slope.

If you are looking to consolidate debt without borrowing more money then you could look at options such as an IVA or debt management.