Consolidating debts with a secured loan
Keep track of your debts by consolidating them into one simple secured loan.
Take control of your borrowing
Found yourself needing to use credit for recent purchases? You’re not alone. Whether it’s a loan or a credit card, many of us need a helping hand for large purchases from time to time.
The tricky part is keeping track of all of your different debts and lenders. With a secured loan, you can simplify what you owe by combining all your debts into one single monthly payment and take the overwhelm out of your financial situation.
Why Choose Police Mortgages?
We help the police community take back control of their finances with clear, honest advice:
Built for the Police Family
We understand your unique financial pressures and tailor our advice to suit you.
Simple and Clear Guidance
We explain everything in plain English, so you know exactly how it all works.
Specialist Lenders
We work with FCA-authorised lenders who offer secured loans for debt consolidation.
Bad Credit Welcome
We can still help even if your credit history isn’t perfect.
How the Process Works
Step 1 – Tell Us What You Owe
We’ll look at your current debts and help you explore if consolidation is the right step.
Step 2 – Soft Credit Search
This won’t affect your credit score and helps us find suitable loan options.
Step 3 – Review Your Loan Options
We’ll explain the loan choices available so you can pick what works for your budget.
Step 4 – Help with the Application
We’ll guide you through the full application process and stay with you until completion.
Customer Reviews
Elliott has been brilliant with all my mortgage requirements over the past 4 years. The team are extremely amenable and knowledgeable. They are regularly providing communication to ensure we are fully updated on the process. Would highly recommend.
Alice Chant
Verified Customer
Very easy to set up an appointment initially through the website. Spoke to Oliver who provided a professional service as well as providing information, which catered to my needs. Look forward to speaking again.
David Chapman
Verified Customer
Nichola was absolutely brilliant. She guided me with excellent communication throughout a rather challenging process and I really felt supported. Based on my experiences with Nichola, I would implore anyone who is seeking a mortgage to reach out.
Sophia Malik
Verified Customer
Everyone I’ve spoken with and or dealt with has been brilliant. You guys are doing an amazing job, keep it up.
Laurel Ogbuh
Verified Customer
Oliver was super helpful in a delicate matter. I wish I would have dealt with him on my first property. Really empathetic and easy to speak to. Highly recommend
Tyira Gabriel
Verified Customer
I have only had an initial conversation with Oliver but so far so good. Professional approach, good information on different available deals and products.
Alekosz Sopisz
Verified Customer
Frequently asked questions
What can I use a debt consolidation loan for?
With a consolidation loan, you can combine several debts into one payment. This includes personal loans, credit card debts, bills, payday loans, loans for emergency repairs and store card debts.
Can I get a consolidation loan with bad credit?
Yes, it’s certainly possible. It’s difficult to get any financial borrowing with bad credit, but a secured loan can help your chances of approval because the collateral offsets the risk to the lender.
Is a secured loan a good idea to consolidate debt?
Yes, secured loans are a popular solution for consolidating debts. This is because the interest rates are often lower than with unsecured personal loans as the loan is attached to your property – reducing the risk for the lender.
Is a secured loan bad for your credit score?
Taking out a secured loan will be recorded on your credit file, which has the potential to reduce your credit score. But if you make your repayments on time, this will actually have a positive effect on your credit score in the long run.
