Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible.
Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.
Based on your information we recommend you speak to a personal debt adviser.
They will offer you advice on:
Whether a loan is your best option
Consolidating your debts
Reducing the amount you owe
How to freeze your interest payments
Protecting you from creditors
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Debt management is a consumers responsibility
Consumers should take more responsibility for their finances when paying off debt, it has been claimed.
James Falla, director of Thomas Charles & Co, said that people have to examine their own financial situation to determine a debt management plan, rather than relying on their bank manager to come up with a solution.
Banks may be able to provide templates that could help people create a budget, he suggested, or else provide an adviser for helping towards this end.
However, he added: "Ultimately, once you know what's going in and what's coming out, the bank can't help you manage that budget - it's your own personal responsibility."
One option for those who are exploring debt management options is to choose to consolidate debts with one loan, Mr Falla concluded.
The results of a Co-operative Financial Services poll from last month found that eight out of ten people had worries about their debts.
