Debt problems can be solved simply by consolidation of your existing debts into one debt consolidation loan. You don’t need a mortgage to be able to consolidate your debt.
For small amounts of money the consolidation of your loans into a single personal loan is often the best solution.
If you own property and if you do have a mortgage, your existing debt from personal loans and credit cards can be incorporated into your mortgage at a much better interest rate.
A debt consolidation loan will often reduce your interest rate overall, and in this way save you money. Consolidation of your debt into your existing mortgage is most effective for larger amounts of money.
Here are several options that may suit your specific requirements: