{"id":9314,"date":"2022-10-07T10:14:35","date_gmt":"2022-10-07T10:14:35","guid":{"rendered":"https:\/\/www.lexion-mortgageadvisors.co.uk\/?page_id=9314"},"modified":"2022-10-12T09:00:33","modified_gmt":"2022-10-12T09:00:33","slug":"debt-consolidation","status":"publish","type":"page","link":"https:\/\/www.lexion-mortgageadvisors.co.uk\/debt-consolidation\/","title":{"rendered":"Debt Consolidation"},"content":{"rendered":"

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Debt Consolidation<\/h1>\n

[\/et_pb_text][et_pb_divider _builder_version=”4.17.4″ _module_preset=”default” custom_margin=”||55px|||” custom_padding=”||0px|||” global_colors_info=”{}”][\/et_pb_divider][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Arvo||||||||” text_text_color=”#414142″ header_3_font=”Arvo||||||||” header_3_text_color=”#0C71C3″ custom_margin=”||23px|||” custom_padding=”0px|||||” global_colors_info=”{}”]<\/p>\n

What is a debt consolidation loan?<\/h3>\n

A debt consolidation loan is a type of\u00a0loan\u00a0that’s used to combine all your existing debts into one pot. All you\u2019ll need to do is apply for a loan for the amount you owe in existing debt and if approved, you can use the funds to pay off your other borrowing. You\u2019ll then pay off the loan over time, usually in monthly repayments.<\/p>\n

Not only could a debt consolidation loan make your debt easier to manage, it can also reduce the amount of interest you pay by having all your debt in one place at a lower\u00a0interest rate.<\/p>\n

Lexion Financial Services can help you with debt consolidation loans from across the market, from a range of providers.<\/p>\n

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Other Services<\/h1>\n

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What can I use a debt consolidation loan for?<\/h2>\n

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A debt consolidation loan can be used to pay off different types of debt, including:<\/p>\n<\/div>\n

[\/et_pb_text][dnxte_feature_list_parent dnxte_feature_list_icon_color=”#0C71C3″ dnxte_feature_list_icon_bg_color=”RGBA(255,255,255,0)” _builder_version=”4.18.0″ _module_preset=”default” title_line_height=”1em” border_radii_icon=”on|30px|30px|30px|30px” global_colors_info=”{}”][dnxte_feature_list_child dnxte_feature_list_title=” Credit card debt” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Many credit cards charge high APRs making them an expensive way to borrow long-term” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Personal loan debt” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Unsecured loans are often taken out to fund a car purchase, home improvements or a holiday ” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Overdraft” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Most banks charge high interest rates on overdrafts which, over time, can lead to a big debt” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”Store card” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][dnxte_feature_list_child dnxte_feature_list_title=”While some store cards offer up-front discounts on spending they often have high APRs and fees” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/dnxte_feature_list_child][\/dnxte_feature_list_parent][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU1NCJ9fQ==@” button_text=”Get in Touch” button_alignment=”left” _builder_version=”4.16″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”#0c71c3″ button_border_radius=”11px” button_font=”Alike||||||||” custom_margin=”||23px|||” custom_padding=”||4px|||” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” _builder_version=”4.16″ _module_preset=”default” background_color=”#0d85e8″ use_background_color_gradient=”on” background_color_gradient_direction=”119deg” background_color_gradient_stops=”#2b87da 52%|rgba(65,65,66,0.22) 52%” background_color_gradient_start_position=”52%” background_color_gradient_end=”rgba(65,65,66,0.22)” background_color_gradient_end_position=”51%” height_tablet=”” height_phone=”” height_last_edited=”on|phone” custom_margin=”-1px||0px||false|false” custom_margin_tablet=”” custom_margin_phone=”47px||0px||false|false” custom_margin_last_edited=”on|phone” custom_padding=”24px||21px|27px|false|false” top_divider_height=”56px” top_divider_flip=”vertical” top_divider_arrangement=”below_content” bottom_divider_style=”none” bottom_divider_height=”49px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.16″ _module_preset=”default” width_tablet=”” width_phone=”90%” width_last_edited=”on|phone” custom_margin=”|auto|-21px|auto||” custom_padding=”20px||16px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_font=”Merriweather||||||||” header_text_color=”#ffffff” header_font_size=”27px” width=”100%” max_width=”100%” custom_margin=”0vw||0.4vw|-2vw|false|false” custom_padding=”4px||15px||false|false” global_colors_info=”{}”]<\/p>\n

With Over 40 Years Experience.<\/h1>\n

[\/et_pb_text][et_pb_text _builder_version=”4.16″ _module_preset=”default” text_font=”Arvo||||||||” text_text_color=”#ffffff” text_font_size=”14px” text_line_height=”1.8em” header_font=”Abril Fatface||||||||” header_text_color=”#ffffff” custom_margin=”-2vw||2vw|-2vw|false|false” custom_padding=”26px|||||” global_colors_info=”{}”]<\/p>\n

Our team of advisors, with our knowledge and wealth of experience, will help you make the right choices. We offer a relaxed and personal service with informative, friendly advice and NO Jargon!<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”For More Information, Give Us A Call.” use_icon=”on” font_icon=”Z||divi||400″ icon_color=”#ffffff” icon_placement=”left” image_icon_width=”57px” content_max_width=”1100px” image_icon_width_tablet=”57px” image_icon_width_phone=”43px” image_icon_width_last_edited=”on|phone” content_tablet=”” content_phone=”<\/p>\n

Telephone: 01656 865 495<\/p>\n

” content_last_edited=”on|phone” content_max_width_tablet=”” content_max_width_phone=”” content_max_width_last_edited=”on|desktop” _builder_version=”4.18.0″ _module_preset=”default” header_level=”h1″ header_font=”Merriweather||||||||” header_text_color=”#ffffff” header_font_size=”24px” header_line_height=”0.6em” body_font=”Arvo||||||||” body_text_align=”center” body_text_color=”#ffffff” body_font_size=”19px” body_line_height=”0.2em” width=”100%” custom_margin=”1vw|0vw|0vw|6vw|false|false” custom_margin_tablet=”||5vw||false|false” custom_margin_phone=”-1vh||8vw|-1vh|false|false” custom_margin_last_edited=”on|phone” custom_padding=”21px|||0px|false|false” custom_padding_tablet=”” custom_padding_phone=”|||0px|false|false” custom_padding_last_edited=”on|phone” header_font_size_tablet=”” header_font_size_phone=”19px” header_font_size_last_edited=”on|phone” header_line_height_tablet=”” header_line_height_phone=”1.3em” header_line_height_last_edited=”on|phone” icon_font_size=”57px” icon_font_size_tablet=”” icon_font_size_phone=”43px” icon_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Telephone: 01656 865 495<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color_gradient_direction=”90deg” custom_padding=”0px||5px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row make_equal=”on” _builder_version=”4.16″ _module_preset=”default” custom_margin=”||5px||false|false” custom_padding=”49px||5px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Arvo||||||||” text_text_color=”#414142″ header_font=”Merriweather||||||||” header_text_align=”center” header_text_color=”#1b273f” header_font_size=”31px” text_orientation=”center” custom_margin=”||||false|false” custom_margin_tablet=”4vh||||false|false” custom_margin_phone=”1vh||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

How do debt consolidation loans work?<\/h1>\n

A debt consolidation loan lets you move your existing debts\u00a0to one\u00a0loan\u00a0so you only need to make one monthly repayment. Here\u2019s how\u00a0it works:<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.18.0″ _module_preset=”default” custom_padding=”||9px|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Work out what you owe” image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2020\/11\/re-mor-im-2.jpg” _builder_version=”4.18.0″ _module_preset=”default” header_font=”Merriweather|700|||||||” header_text_align=”center” header_text_color=”#414142″ header_font_size=”22px” body_font=”Arvo||||||||” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Look at your existing credit card, loan and overdraft debts.\u00a0Calculate the total value of the loan you\u2019ll\u00a0need to cover\u00a0these\u00a0existing debts\u00a0and borrow that amount<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Pay off debt with the loan” image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2020\/11\/soldier-im-3.jpg” _builder_version=”4.18.0″ _module_preset=”default” header_font=”Merriweather|700|||||||” header_text_align=”center” header_text_color=”#414142″ header_font_size=”22px” body_font=”Arvo||||||||” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Use the loan to pay off existing borrowing. Having just one loan reduces the amount of repayments you have to make each month by having your debt in one place<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Pay back the loan” image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2020\/11\/bigstock-Portrait-Of-Excited-Couple-Sta-276740221b.jpg” _builder_version=”4.18.0″ _module_preset=”default” header_font=”Merriweather|700|||||||” header_text_align=”center” header_text_color=”#414142″ header_font_size=”22px” body_font=”Arvo||||||||” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Once you\u2019ve paid off your existing\u00a0debts\u00a0you\u2019ll then pay back the\u00a0consolidation\u00a0loan\u00a0within the\u00a0set term. Having just one monthly repayment\u00a0could\u00a0make things easier to manage<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|on|off” _builder_version=”4.16″ _module_preset=”default” custom_padding=”0px||0px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”5vh|auto||auto|false|false” custom_padding=”0px||55px|||” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” image_icon_width=”28px” _builder_version=”4.16″ _module_preset=”default” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”20px” body_font=”||||||||” body_text_color=”#ffffff” body_font_size=”17px” body_letter_spacing=”1px” body_line_height=”0.5em” background_color=”#0096e8″ background_enable_image=”off” background_blend=”overlay” custom_margin=”0%||||false|false” custom_padding=”7%||8%||false|false” border_color_all=”#ffffff” icon_font_size=”28px” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#1b273f” background_enable_color__hover=”on” icon_color__hover_enabled=”on|hover” icon_color__hover=”#ffffff” custom_margin__hover_enabled=”on|hover” custom_margin__hover=”0%||||false|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”6%||6%||true|false” title_text__hover=”Smiling african man using laptop at home while checking home fin” background_enable_image__hover=”off” content__hover_enabled=”on|hover” content__hover=”<\/p>\n

Tel: 01656 865 495<\/p>\n

” font_icon__hover_enabled=”on|hover” font_icon__hover=”\ue090||divi||400″ border_width_all__hover_enabled=”on|hover”]<\/p>\n

Tel: 01656 865 495<\/a><\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” image_icon_width=”28px” _builder_version=”4.16″ _dynamic_attributes=”link_option_url” _module_preset=”default” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”20px” body_font=”Merriweather||||||||” body_text_color=”#ffffff” body_font_size=”16px” body_letter_spacing=”1px” body_line_height=”0.5em” background_color=”#0c71c3″ background_enable_image=”off” background_blend=”overlay” custom_margin=”0%||||false|false” custom_padding=”7%||8%||false|false” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU1NCJ9fQ==@” border_color_all=”#ffffff” icon_font_size=”28px” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#1b273f” background_enable_color__hover=”on” icon_color__hover_enabled=”on|hover” icon_color__hover=”#ffffff” custom_margin__hover_enabled=”on|hover” custom_margin__hover=”0%||||false|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”6%||6%||true|false” title_text__hover=”Smiling african man using laptop at home while checking home fin” background_enable_image__hover=”off” content__hover_enabled=”on|hover” content__hover=”<\/p>\n

Book An Appointment<\/p>\n

” font_icon__hover_enabled=”on|hover” font_icon__hover=”\ue025||divi||400″ border_width_all__hover_enabled=”on|hover”]<\/p>\n

Book An Appointment<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” image_icon_width=”28px” _builder_version=”4.16″ _dynamic_attributes=”link_option_url” _module_preset=”default” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”20px” body_font=”Merriweather||||||||” body_text_color=”#ffffff” body_font_size=”16px” body_line_height=”0.5em” background_color=”#0096e8″ background_enable_image=”off” background_blend=”overlay” custom_margin=”0%||||false|false” custom_padding=”7%||8%||false|false” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjYzOTUifX0=@” icon_font_size=”28px” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#1b273f” background_enable_color__hover=”on” icon_color__hover_enabled=”on|hover” icon_color__hover=”#ffffff” custom_margin__hover_enabled=”on|hover” custom_margin__hover=”0%||||false|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”6%||6%||true|false” title_text__hover=”Smiling african man using laptop at home while checking home fin” background_enable_image__hover=”off” content__hover_enabled=”on|hover” content__hover=”<\/p>\n

Our Services<\/p>\n

“]<\/p>\n

Our Services<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”||divi||400″ icon_color=”#ffffff” image_icon_width=”28px” _builder_version=”4.18.0″ _dynamic_attributes=”link_option_url” _module_preset=”default” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”20px” body_font=”Merriweather||||||||” body_text_color=”#ffffff” body_font_size=”16px” body_line_height=”0.5em” background_color=”#0c71c3″ background_enable_image=”off” background_blend=”overlay” custom_margin=”0%||||false|false” custom_padding=”7%||8%||false|false” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU1NCJ9fQ==@” icon_font_size=”28px” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#1b273f” background_enable_color__hover=”on” icon_color__hover_enabled=”on|hover” icon_color__hover=”#ffffff” custom_margin__hover_enabled=”on|hover” custom_margin__hover=”0%||||false|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”6%||6%||true|false” title_text__hover=”Smiling african man using laptop at home while checking home fin” background_enable_image__hover=”off” content__hover_enabled=”on|desktop” content__hover=”<\/p>\n

Visit Our Office<\/p>\n

“]<\/p>\n

Visit Our Office<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb use_icon=”on” font_icon=”v||divi||400″ icon_color=”#ffffff” image_icon_width=”28px” _builder_version=”4.18.0″ _dynamic_attributes=”link_option_url” _module_preset=”default” header_text_align=”center” header_text_color=”#ffffff” header_font_size=”20px” body_font=”Merriweather||||||||” body_text_color=”#ffffff” body_font_size=”16px” body_line_height=”0.5em” background_color=”#0096e8″ background_enable_image=”off” background_blend=”overlay” custom_margin=”0%||||false|false” custom_padding=”7%||8%||false|false” link_option_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU1NCJ9fQ==@” icon_font_size=”28px” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#1b273f” background_enable_color__hover=”on” icon_color__hover_enabled=”on|hover” icon_color__hover=”#ffffff” custom_margin__hover_enabled=”on|hover” custom_margin__hover=”0%||||false|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”6%||6%||true|false” title_text__hover=”Smiling african man using laptop at home while checking home fin” background_enable_image__hover=”off” content__hover_enabled=”on|hover” content__hover=”<\/p>\n

Message Us<\/p>\n

” font_icon__hover_enabled=”on|desktop” font_icon__hover=”v||divi||400″]<\/p>\n

Message Us<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”About” _builder_version=”4.16″ _module_preset=”default” custom_padding=”17px|0px|17px|0px|true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.17.4″ _module_preset=”default” custom_padding=”35px||60px|||” use_custom_width=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.17.4″ _module_preset=”default” background_image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2022\/01\/bigstock-Happy-Old-Couple-Clients-Make-310308787.jpg” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_divider color=”RGBA(255,255,255,0)” _builder_version=”4.17.4″ _module_preset=”default” height=”400px” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.18.0″ _module_preset=”default” text_font=”Lato||||||||” text_font_size=”18px” text_line_height=”1.8em” link_font=”||||||||” ul_font=”||||||||” ol_font=”||||||||” quote_font=”||||||||” header_font=”||||||||” header_text_align=”left” header_2_font=”Lato|700|||||||” header_2_text_align=”left” header_2_font_size=”40px” header_2_letter_spacing=”1px” header_2_line_height=”1.5em” header_3_font=”||||||||” header_4_font=”||||||||” header_5_font=”||||||||” header_6_font=”Lato|700|||||||” header_6_font_size=”18px” header_6_letter_spacing=”1px” header_6_line_height=”1.8em” animation_direction=”left” header_2_font_size_tablet=”” header_2_font_size_phone=”22px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Is a debt consolidation loan a good idea?<\/h1>\n

Once you\u2019ve paid off your existing\u00a0debts\u00a0you\u2019ll then pay back the\u00a0consolidation\u00a0loan\u00a0within the\u00a0set term. Having just one monthly repayment\u00a0could\u00a0make things easier to manage<\/p>\n

[\/et_pb_text][et_pb_accordion open_toggle_text_color=”#414142″ icon_color=”#0096E8″ _builder_version=”4.18.0″ _module_preset=”default” toggle_text_color=”#414142″ body_text_color=”#414142″ custom_margin=”0px||0px||false|false” global_colors_info=”{}”][et_pb_accordion_item title=”Reduce your monthly repayments” open=”on” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

This works particularly well if you have quite a few outstanding debts accuring interest<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Missed payments have consquences” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

You will damage your\u00a0credit score\u00a0if you don’t make your repayments in full each month<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Lower overall interest” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

Debt consolidation loans tend to have lower APRs than payday loans or some credit cards<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Set-up fees can be pricey” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

Your exisiting creditors may charge you a fee for transferring the balance on your loans<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Easier to keep track of your debt” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

Managing one payment a month is more straightforward than several at once<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”You may lose your home or car” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

If you can\u2019t keep up with the repayments on a\u00a0secured loan\u00a0your home or vehicle could be repossessed.<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Boost your credit score” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}” open=”off”]<\/p>\n

It’s easier to make one repayment every month, and doing so can improve your score<\/p>\n

[\/et_pb_accordion_item][et_pb_accordion_item title=”Other options are available” _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}” open=”off”]<\/p>\n

For example, a\u00a00% balance transfer credit card\u00a0may suit someone with more modest debts<\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” background_color=”rgba(65,65,66,0.06)” custom_padding=”1px||32px|||” bottom_divider_height=”51px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.18.0″ _module_preset=”default” custom_margin=”4vh|auto||auto|false|false” custom_padding=”33px|||||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Arvo||||||||” text_text_color=”#414142″ header_3_font=”Arvo||||||||” header_3_text_color=”#0C71C3″ custom_margin=”||23px|||” custom_padding=”0px|||||” locked=”off” global_colors_info=”{}”]<\/p>\n

Can I get a debt consolidation loan with bad credit?<\/h3>\n

If you\u2019ve struggled with debt in the past and have a low credit score you may not be offered the best loan deals. But there are specialist providers offering\u00a0debt consolidation loans for bad credit. Your lender will decide which type of loan \u2013 and what interest rate \u2013 it can offer after checking your credit score.<\/p>\n

If you have bad credit, providers may offer you a debt consolidation loan secured against your house, rather than an unsecured debt consolidation loan. But remember while this can seem like a good option, your home is at risk if you can\u2019t keep up with your repayments.<\/p>\n

The good news is if you keep up with repayments on your debt consolidation loan, and have no other negative credit factors, it should lead to an improvement in your credit score over time.<\/p>\n

Representative 29.9% APR<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” background_image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2021\/06\/re-mor-banner-1024×476-1.jpg” global_colors_info=”{}”][et_pb_divider color=”RGBA(255,255,255,0)” _builder_version=”4.18.0″ _module_preset=”default” height=”400px” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Review Section” _builder_version=”4.17.4″ background_enable_color=”off” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(131,144,168,0.61) 62%|#ffffff 62%” background_color_gradient_start=”rgba(131,144,168,0.61)” background_color_gradient_start_position=”62%” background_color_gradient_end=”#ffffff” background_color_gradient_end_position=”62%” background_image=”https:\/\/www.lexion-mortgageadvisors.co.uk\/wp-content\/uploads\/2020\/07\/endurance-header-10c.jpg” custom_padding=”49px||49px||true|” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Merriweather||||||||” text_text_color=”#000000″ text_font_size=”26px” custom_margin=”-24px||||false|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Contact us for Expert Mortgage Advice<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.17.4″ _module_preset=”default” custom_padding=”0px||5px|||” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][dsm_contact_form_7 cf7_library=”274″ _builder_version=”4.16″ _module_preset=”default” custom_button_one=”on” button_one_text_color=”#ffffff” button_one_bg_color=”#0c71c3″ button_one_border_color=”#ffffff” button_one_border_radius=”-1px” width=”100%” global_colors_info=”{}”][\/dsm_contact_form_7][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Merriweather||||||||” text_line_height=”1.5em” header_font=”Merriweather||||||||” header_text_color=”#1b273f” background_color=”#ffffff” background_color_gradient_direction=”270deg” width=”100%” height=”353px” custom_padding=”50px||30px|70px|false|false” border_radii=”off|16px|16px||” global_colors_info=”{}”]<\/p>\n

Pencoed Office<\/h1>\n

Lexion Mortgage Advisors<\/span><\/p>\n

First Floor Offices<\/span>
6 Penybont Road<\/span>
Pencoed<\/span>
Mid Glamorgan<\/span>
CF35 5RA<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.18.0″ _module_preset=”default” text_font=”Merriweather||||||||” text_line_height=”1.5em” header_font=”Merriweather||||||||” header_text_color=”#1b273f” background_color=”#ffffff” background_color_gradient_direction=”270deg” width=”100%” height=”353px” custom_padding=”50px||30px|70px|false|false” border_radii=”off|16px|16px||” global_colors_info=”{}”]<\/p>\n

St Athan Office<\/h1>\n

Lexion Financial Services Ltd<\/p>\n

MOD St Athan, Building 198<\/p>\n

Dragon Way<\/p>\n

Bro Tathan<\/p>\n

CF62 4AF<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

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