Mortgages and re-mortgages are still available for people who have had credit problems in the past as well as those who have no proof of income, such as the self-employed.

A balance transfer is exactly what it says on the tin; you transfer the balance of your debt from one lender to another.

Put very simply, debt consolidation involves taking out a loan with which to pay off all your other debts. So, in effect, you replace mutliple regular payments with just one. Seems easy, yes? Perhaps debt consolidation is the best solution for your current situation but it is vital that you take many things into account before going ahead.

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There are several ways to consolidate your current debts however the main two are either debt consolidation re-mortgages or to take out a secured loan which will pay off all your current debts such as credit cards, store cards and hire purchase agreements. Currently a typical re-mortgage for people with poor credit ratings is approximately [...]