Why use a Debt Consolidation Broker?
Credit cards at 20%+ APR, personal loans at 10–15%, overdrafts at 40% — carrying multiple high-interest debts costs a fortune and the monthly payment juggle is exhausting. A specialist debt consolidation broker analyses your entire debt profile and finds the most cost-effective way to combine them — often into a single secured loan at a dramatically lower interest rate. They also know which lenders will accept your credit profile, saving you from applications that damage your score.
Full debt analysis
Your broker maps all your debts — rates, balances, terms — and models different consolidation scenarios.
Reduce monthly outgoings
Consolidating multiple payments into one lower-rate product can free up hundreds per month.
Protect your credit score
Applications to lenders who'll reject you damage your score. Brokers only submit to lenders who'll approve you.
All options explored
From personal loans to secured loans to remortgage — your broker finds the right solution for your situation.
Ready to find your perfect Debt Consolidation Broker?
Free matching · No obligation · FCA regulatedWhat our customers say
"I'd been putting off finding a debt consolidation adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of debt consolidation adviser you need.
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Debt Consolidation Broker from our vetted adviser panel.
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
It takes under 2 minutes. It costs nothing.
58,000+ people have already been matchedWhat a Debt Consolidation Broker can help with
Credit card debt
Consolidate high-APR credit card balances into a single lower-rate product.
Secured consolidation loans
Use property equity to access lower rates for larger debt consolidation.
Remortgage consolidation
Roll debts into your mortgage for the lowest possible rate — with expert advice on the risks.
Personal loan consolidation
Combine multiple unsecured debts into a single manageable personal loan.
Bad credit options
Specialist lenders for those with impaired credit who can't access standard consolidation products.
Creditor negotiation
Some brokers also work with creditors directly to negotiate settlements or payment plans.
Frequently asked questions about Debt Consolidation Brokers
Still have questions? Your matched adviser will answer them all — for free.
No obligation · FCA regulated · Takes 2 minutesWe cover every corner of the UK
Find a debt consolidation broker near you. Nesto matches you with specialist advisers across the UK:
Covering 886 locations across the UK
Related Articles
Expert guides to help you make informed decisions
Can I Remortgage to Pay Off Debt?
Can you remortgage to pay off debts? Yes. We explain how debt consolidation mortgages work, the pros and cons, and whether it's the right option for you.
📖 6 min read → GuideDebt Consolidation Mortgage: Pros and Cons
Thinking of consolidating debt into your mortgage? We weigh up the real pros and cons, including the risks of securing unsecured debt against your home.
📖 6 min read → GuideHow Much Equity Do I Need to Consolidate Debt?
How much equity do you need to consolidate debt into your mortgage? We explain LTV requirements, how to calculate your equity, and what lenders look for.
📖 5 min read → GuideRemortgage to Pay Off Credit Cards: Good Idea?
Should you remortgage to pay off credit card debt? Lower monthly payments sound appealing, but you could pay more overall. We explain the real trade-offs.
📖 6 min read → GuideDebt Consolidation Mortgage With Bad Credit
Can you get a debt consolidation mortgage with bad credit? It's harder but possible. We explain specialist lender options and how a broker can help.
📖 6 min read → ComparisonSecond Charge vs Remortgage for Debt Consolidation
Should you remortgage or take a second charge mortgage to consolidate debt? We compare costs, criteria, and when each option makes more sense.
📖 6 min read →Ready to find your Debt Consolidation Broker?
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
Get Matched Free — Takes 2 Minutes →⭐ 4.9/5 average rating · 25,000+ FCA-regulated advisers · No credit check