Debts can hang over your life like a dark cloud. From the moment you open your eyes in the morning until the moment you fall asleep, if you can fall asleep, the debts are there. They nag at you, they hamper you and they make life thoroughly miserable. So get rid of them with a debt consolidation mortgage - a mortgage that not only finances your home but also pays off all your debts with some of your home's equity. A debt consolidation mortgage will make that cloud disappear, because instead of lots of debts dragging you down you will only have one mortgage payment at the end of the month. It will help you sleep at night and it will make your life enjoyable again.

A debt consolidation mortgage will not just make you happier, but it will also save you some money. If you take all your debts' interest rates together you will probably be shocked to find how much you are actually paying out into the lenders' pockets. It's a lot. And if you have unreasonable personal loan rates or credit cards on their overdraft rates or SVR rates, you will be paying too much. But with a debt consolidation mortgage you will not have those double figure interest rates to feed, you will just have one, single digit interest rate to keep happy. Which could save you hundreds of pounds every month - money that could be better spent on your home or your mortgage or other expenses in your life and make that debt cloud a distant memory.

Not only will a debt consolidation mortgage save you a lot of money, but it will also make you a better bet for lenders in the future. By paying off your debts you will improve your credit rating - the information that lenders use to determine how well you can handle debt. And if the debts are cleared by the debt consolidation mortgage, your credit score will tell lenders you can handle debt very well indeed. So in the future if you are secure enough to be able to refinance your home once again, or take out secured loans or credit cards, your credit rating will tell lenders to give you more at a lower rate. A debt consolidation mortgage won't just help you now, it will be helping you in years to come.

Most importantly, a debt consolidation mortgage makes sense because it gives you space to get a grip. Too many debts in too many directions only lead to disaster - you can't afford to clear the debt, so it keeps amassing and the rates keep rising. But with one debt consolidation mortgage, the debt won't keep rising and the rates will stay firm. So you can set a plan into action - start saving and stop spending out.

If you think a debt consolidation mortgage is the answer to your anxieties, talk to a broker and see if your home can clear your debt woes. It makes sense to take out a debt consolidation mortgage because it will make your life better and put you on a good financial path to a better financial future.