🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find a Debt Consolidation Broker in the UK
Struggling with multiple debts eating your monthly income? Get matched with a specialist debt consolidation broker who'll find a solution that could cut your monthly payments significantly.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£380/moaverage monthly saving after consolidation
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
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.
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Full debt analysis
Your broker maps all your debts — rates, balances, terms — and models different consolidation scenarios.
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Reduce monthly outgoings
Consolidating multiple payments into one lower-rate product can free up hundreds per month.
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Protect your credit score
Applications to lenders who'll reject you damage your score. Brokers only submit to lenders who'll approve you.
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All options explored
From personal loans to secured loans to remortgage — your broker finds the right solution for your situation.
Every adviser matched by Nesto is independently FCA-authorised and regulated
Ready to find your perfect Debt Consolidation Broker?
"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."
Sarah M.
London · Debt Consolidation Broker customer
★★★★★
"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."
James K.
Manchester · Debt Consolidation Broker customer
★★★★★
"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."
Priya S.
Birmingham · Debt Consolidation Broker customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
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.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Debt Consolidation Broker from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
Consolidate high-APR credit card balances into a single lower-rate product.
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Secured consolidation loans
Use property equity to access lower rates for larger debt consolidation.
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Remortgage consolidation
Roll debts into your mortgage for the lowest possible rate — with expert advice on the risks.
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Personal loan consolidation
Combine multiple unsecured debts into a single manageable personal loan.
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Bad credit options
Specialist lenders for those with impaired credit who can't access standard consolidation products.
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Creditor negotiation
Some brokers also work with creditors directly to negotiate settlements or payment plans.
Got Questions?
Frequently asked questions about Debt Consolidation Brokers
It depends on your situation. Consolidation can save money and simplify your finances, but it's important to compare the total interest paid — not just the monthly payment. Your broker will model both scenarios honestly.
A hard credit search may temporarily dip your score. But if consolidation reduces your credit utilisation and you make consistent payments, your score typically improves over time.
Secured loans use your property as collateral, offering lower rates but with the risk of losing your home if you can't pay. Unsecured loans are riskier for lenders so rates are higher. Your broker advises on which is appropriate.
Yes. Specialist lenders exist for those with CCJs, defaults and missed payments. Your broker knows which lenders take a sympathetic view and will match you accordingly.
Nesto's matching service is free. Broker fees vary — some charge a setup fee, others a percentage of the loan. All fees are disclosed before you commit.
Yes, through remortgaging. This often gives the lowest rate but extends the repayment period and puts your home at risk. Your broker will ensure you understand the full implications.
Once debts are paid off through consolidation, creditors have no reason to contact you. Your broker can also advise on interim options if you're being pursued.
Credit cards, personal loans, overdrafts, store cards, payday loans and HMRC tax debts can all potentially be consolidated. Student loans and secured debts are handled separately.
Unsecured personal loans can be arranged in a few days. Secured loans and remortgages take 2–6 weeks. Your broker will give you a realistic timeline based on your situation.
No. Consolidation replaces your debts with a new product. Debt management plans (DMPs) negotiate reduced payments with creditors — often better if you can't afford consolidation repayments.
Yes, though income assessment is more complex. Your broker will know which lenders accept SA302 or accountant references for self-employed applicants.
Contact your lender immediately. Defaulting on a secured loan risks your home. For unsecured loans, you may enter a DMP. Your broker can advise on the options if your circumstances change.
The application itself involves a credit check, which has a small short-term impact. But the medium-term effect is often positive — reducing your total monthly obligations and improving your debt-to-income ratio. A broker advises on the timing and impact before you proceed.
Yes — if you own a home with equity, you may be able to remortgage to a higher amount and use the additional funds to clear debts. This can dramatically reduce monthly outgoings, but extends the debt over a longer term. A broker helps you weigh the total interest cost carefully.
Most unsecured debts — credit cards, personal loans, overdrafts, store cards — can be consolidated. Some specialist lenders also consolidate tax debts. Your broker will assess which debts are worth consolidating based on interest rates and remaining terms.
Still have questions? Your matched adviser will answer them all — for free.
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.
