Find out if Guardstone Finance can help you in 2026 with a debt consolidation loan or remortgage for debt consolidation.
- Guardstone Finance is a direct lender, not a broker
- Acceptance is based on your ability to pay, not your age and credit score
- Free no obligation automated home valuation
- Loan to value of 90%
- No upper age limit
- Loans and mortgages that are ideal for debt consolidation
- No lender or product fees
- No broker or adviser fees
- Up to one penalty-free payment holiday per year (14 days notice required)
- No redemption penalties/early repayment charges
- Only a soft credit search is necessary for a decision in principle
Guardstone Finance loans are 6.99% fixed for life, and Guardstone Finance remortgages are 4.82% also fixed for life.
Debt consolidation works best on a page when the wording sounds like someone has actually spoken to homeowners and borrowers, rather than a list of search terms stitched together. A good starting point is simple: a person has several monthly payments, wants one cleaner arrangement, and would like to know whether a secured loan, remortgage or further borrowing route could make the month easier to manage.
Debt consolidation without the usual clutter
A debt consolidation loan may be used to bring card balances, personal loans, overdrafts or other regular borrowing into one new arrangement. Some people do it because several direct debits have become awkward to follow. Others prefer one payment date and a clearer end point. The right structure depends on the amount borrowed, the property position, income and the term chosen.
Homeowners looking at a larger balance sometimes compare a secured loan with a debt consolidation mortgage, as the repayment term and the way the borrowing sits against the property may be different. A separate guide to debt consolidation may also help when the main aim is tidying several commitments into a single payment.
If the current mortgage is staying in place, a second charge loan can be looked at without disturbing the main mortgage deal. Where the existing lender may offer more borrowing, a further advance is another route people often compare before deciding what feels right.
When the debts are varied
It is common for the balances to be mixed. There might be one larger card, a catalogue account, a small loan and an overdraft. A single new loan can make the month look less messy, especially when the payments fall on different days. It can also give the borrower a clearer idea of what leaves the bank each month.
Some applicants prefer to look at lender-led routes, which is why the page on bad credit loan lenders not brokers may be useful alongside this one. People who want a quick early view can also compare the wording on instant decision bad credit loans before completing a full enquiry.
If a guarantor is not part of the plan, the guide to bad credit loans with no guarantor online sits in the same area. A borrower with older court paperwork may prefer to read about CCJ loans from a direct lender, as that page keeps the focus on county court judgments rather than general borrowing.
A cleaner way to compare monthly payments
One monthly payment is often the first thing people notice, but the term matters as much as the payment. A longer term can make the monthly figure look gentler. A shorter term can clear the balance sooner. The appropriate answer depends on the borrower’s plans for the property, the existing mortgage, and how much breathing room they want each month.
Borrowers with a softer credit file may also want to read about secured loans for bad credit with an instant decision. Some readers are mainly searching for a simple early check, so the page on no credit check loans may fit that enquiry better.
For larger balances, a homeowner may compare a loan with a broader UK debt consolidation mortgage. Younger homeowners who are comparing property-backed options may also look at equity release under 55, though the practical route may still be a loan or remortgage rather than a later-life product.
Bank pages that people often compare
Some borrowers like to compare named banks, especially when they already have a current account or mortgage with one of them. A homeowner weighing up a high-street route may read about a Halifax secured loan before looking at specialist lending.
Existing bank customers often compare the pages for HSBC secured loans, NatWest secured loans, and Santander secured loans separately, as each lender page deals with a different set of borrower expectations.
Someone with a TSB relationship may also want to compare a TSB secured loan with a specialist-lender route, especially when the purpose is to consolidate older balances into one new loan.
What a decision in principle usually needs
A decision in principle is usually based on a few ordinary details: the amount to borrow, the property value, the mortgage balance, income, and the reason for the loan. It should feel like a practical first check rather than a full underwrite. A soft-search-style enquiry can be helpful because it provides a borrower with a starting point before documents are gathered.
For debt consolidation, the reason for borrowing is straightforward. The money is being used to settle existing credit and replace it with a new payment. The lender will usually want the figures to make sense on the borrower’s income, but the page does not need to lecture the reader. Clear figures, plain wording and a simple enquiry route are enough.
Details that make the enquiry easier
A useful enquiry does not need to feel formal. The lender or adviser needs enough detail to understand the property and the borrowing, then enough income information to judge whether the new payment sits comfortably with the household budget. The property value, current mortgage balance and total debts give the first shape of the case.
It also helps to know what the existing debts are used for. Credit cards, store cards and personal loans are all handled differently on bank statements, but for the borrower the point is usually the same: fewer payments, a tidier month and a clearer figure to plan around. The application can then be matched to the purpose rather than squeezed into a generic loan page.
Some borrowers already know the monthly payment they would like. Others begin with the amount they want to clear and work backwards from there. Both approaches are normal. The figures can be adjusted by changing the loan amount, the term or the type of secured borrowing being considered.
Documents can usually wait until the early figures make sense. At the first stage, the form should collect the essentials and leave the detailed paperwork for later. That keeps the page useful for someone who is still comparing options and not ready for a long conversation.
Representative example
Based on borrowing £18,000 over 120 months. The overall cost for comparison is 9.1% APRC representative. The borrowing rate is 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 5.75% above the Bank of England Base Rate.
The broker fee is £1,530. The lender fee is £495. The total amount payable is £26,945.40, made up of the loan amount of £18,000 and interest of £6,920.40.
Guardstone Finance company details
Guardstone Finance Ltd is shown at Companies House under company number 05351716. The recorded registered office is Hanover House, 203 High Street, Tonbridge, Kent, TN9 1BW.
For regulated-firm checks, the Financial Services Register is the public register for looking up authorised firms and permissions.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.