Imagine how life would feel with your debts sorted.
No more juggling credit cards, car finance and loans. No more dread when another payment hits. Just one clear payment each month, more money left over, and a calmer home.
That’s what this review is about - helping you go from overwhelmed to in control.
Benefits you could enjoy:
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One payment - less juggling, fewer worries
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Lower monthly outgoings - keep more of your pay every month
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Peace of mind -sleep better knowing there’s a plan
Why homeowners across Scotland choose this service
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✅ No obligation - the review is completely free
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✅ Local and personal - Scotland-based advice, not a call centre or bot
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✅ Clear advice = less overwhelm, more confidence
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✅ One payment - no more juggling or missing due dates
Couldn't recommend Phil highly enough! The whole process feels so daunting but I've been blown away how helpful Phil's been. Bags of knowledge, incredibly helpful and an a joy to deal with - thank you for everything Phil!
-Client in Glasgow
A Simple, Friendly 3-Step Process
Talk it through
Book a free, confidential chat. You’ll tell us what’s going on no pressure, no judgment.
See what's possible
We will explore if we can reduce your monthly payments using your mortgage.
Feel the shift
If it works for you, we go ahead. If not, that’s okay too - no pressure and no fee.
100% confidential | No Call Centres| Based in Scotland
Debt consolidation mortgage in Scotland - is it right for me?
A debt consolidation mortgage can combine existing debts (like credit cards, loans and overdrafts) into your mortgage, often resulting in lower monthly payments. It isn’t right for everyone, so we’ll talk through benefits and risks carefully before you decide.
Potential benefits:
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Simpler budgeting
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Lower monthly outgoings
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Reduced stress
Key considerations:
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Spreading debt over a longer term can increase total interest paid
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Debts become secured against your home
We’ll keep it straightforward so you can make an informed choice that fits your life.
Still unsure? Totally normal.
Q. Will this hurt my credit?
A. In many cases, simplifying your payments improves your financial picture over time. We will explain everything clearly so you know where you stand.
Q. Do I have to go ahead?
A. Not at all. This is about giving you clarity — and peace of mind. You’re always in control.
Q. How much does this cost?
A. The review is free. If we go ahead and your case completes, a fee is charged — which we’ll agree in advance. No surprises.
Q. Is this debt advice or an IVA?
A. No — We don’t offer IVAs or debt management. This is regulated mortgage advice, designed to responsibly help homeowners restructure debt where it’s suitable.
Important: Consolidating unsecured debts into a mortgage may increase the overall amount repaid and secures previously unsecured debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Proud Sponsors of
Kirkfield United Amatuers Football Club!
We are excited to announce that Your Local Mortgage Expert is now the proud sponsor of Kirkfield United Football Club! As a small business deeply rooted in the community, we believe in the importance of giving back and supporting local initiatives. We look forward to cheering on Kirkfield United as they strive for success on the field!
