Re-mortgaging is the replacement of an existing mortgage with a new one. You might do this to save money by reducing monthly payments or to release capital.

Whatever your purpose, you might be able to re-mortgage by switching to another mortgage product with the same lender or by taking your business to a competitor.

The benefits
Reduce your monthly mortgage payments or release capital
Avoid selling your home
Stop creditors chasing you if you have debt problems

What you should be aware of...
Accuma Assist can help you access mortgages from the whole of the market from £10,000 to £1,000,000. In most cases, the funds will be released four to eight weeks from application.

A secured loan is secured against your home. So if you can’t make repayments, your home will be at risk.

Secured loans can be used for many purposes including resolving present debt problems. However, it’s important to consider your options carefully as another loan might only make debt management more difficult.

The benefits
Stop creditors chasing you if you have debt problems
One monthly payment for you to stick to

What you should be aware of...
Your loan will be secured against your home. So if you don’t make repayments your home will be at risk.

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An IVA is an official debt repayment plan that in most cases includes the freezing of interest, reduction in the total amount of debt owing, and legal protection from creditors. * fixed IVA repayment period (60 months) * all further interest & charges frozen * outstanding debt legally written off

A Debt Management Plan is an informal process of negotiating with your creditors for the freezing or reduction of interest, extension of repayment terms or the writing off of part of your debt. * informal arrangement * we negotiate on your behalf * some reduction in debt & interest