WARNING FOR DEBT CONSOLIDATION


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

BY CONSOLIDATING YOUR DEBTS INTO A MORTGAGE, YOU MAY BE REQUIRED TO PAY MORE OVER THE ENTIRE TERM THAN YOU WOULD WITH YOUR EXISTING DEBT.

Debt Consolidation

Debt consolidation is when you move some or all of your existing debt (usually unsecured) from multiple accounts (such as credit cards and loans) to just one account. To do this you’d pay off – and potentially close – your old accounts with credit from the new one. Your debt won’t disappear, but it will all be in one place. Your new debt is usually secured against your property by remortgaging your existing property or getting further advance on it or having a second charge on your property.

Remortgaging

Debt consolidation mortgages are a type of remortgage that lets you use the equity in your property to pay off any debts you owe elsewhere and then move ...

Further Advance

A further advance is additional borrowing from your current lender and allows you to borrow more money against your home. The interest rate charged on a ...

Second Charge

Sometimes, doing a debt consolidation remortgage might not be your best option. Here are some reasons why; You have an excellent interest rate on your ...

Testimonials

S

Kaya's initial advice on mortgages was amazing. To be honest it changed my understanding of borrowing and purchasing a new home. I would definitely recommend him. Do not purchase your home before talking to him.

09/06/2023
Suzan
S

Kaya's initial advice on mortgages was amazing. To be honest it changed my understanding of borrowing and purchasing a new home. I would definitely recommend him. Do not purchase your home before talking to him.

09/06/2023
Suzan
AD

Great person to talk to, very knowledgable, professional, easy talking, great experience with Ibrahim, highly recomended.

26/09/2023
Ali Demir
AD

Great person to talk to, very knowledgable, professional, easy talking, great experience with Ibrahim, highly recomended.

26/09/2023
Ali Demir

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Robi Finance Ltd

4 Pelham Court, Cambridge CB4 3TD, Tel no: 01223 560 472 - 07956827018, Email: [email protected]


The company is registered under Reg No:14639627 in England and Wales.


Robi Finance Ltd is registered with the Information Commissioner’s Office under registration reference: ZB477056 Copyright © 2021. All Rights Reserved.


Robi Finance Ltd is an Appointed Representative of Connect IFA Limited 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the financial services register (https://register.fca.org.uk/s/) under reference 995310.


The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.


Not all services we offer are covered by the Financial Conduct Authority.


YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.


The information, advice and/or guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


A fee will be payable for arranging your mortgage with Robi Finance Ltd. The amount of the fee will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed but we estimate it to be around 0.65% (min £499). The initial consultation is free.


Commission Disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive a commission from them after the completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commissions at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.


How To Make a Complaint: It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to; Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk.

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