Jubilee 2000 works with a direct lender offering debt consolidation loans in the UK.
Get a debt consolidation loan from Jubilee 2000. Here are the key features:
- Free, fast, no obligation automated home valuation
- No lender, advisor or broker fees
- Direct lender
- 7.91% capped interest rate, the rate will go down if the Bank of England Base Rate goes down, but it will never go above 7.91%
- A Specialist lender for debt consolidation
- No early repayment charges
- Ideal to repay personal loans, credit cards, store cards and other borrowing obligations
- A decision in principle based on a soft credit search
- Up to 90% loan-to-value
- One penalty-free payment holiday per year, subject to 2 weeks’ notice
- No valuation penalty for flats and other leasehold properties
- No upper age limit
- Fast completions in as little as two weeks
- Portable loan ready if you move house
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Rate information updated July 2026. The Bank of England Bank Rate is currently 3.75%, and strong secured loan pricing can sit around two percentage points above that, where the property, equity, and affordability are a good fit.
A debt consolidation loan is simply one new loan used to repay several older balances. It can bring credit cards, store cards, bank account borrowing, and personal loans into one monthly payment, which is often easier to keep organised.
For homeowners, the strongest route is often secured borrowing. The loan is supported by property equity, so lenders can consider larger balances, longer terms, and higher loan-to-value ratios than many unsecured lenders would consider.
Debt consolidation in plain English
The idea is to consolidate separate credit commitments and replace them with a single repayment. If cards are carrying high rates, a credit card debt consolidation loan may make the monthly outgoings feel more orderly.
Some borrowers want to reduce the number of payments leaving their bank account. Others want a capped rate, a longer term, or the chance to clear old balances without paying broker, adviser, or lender fees.
If you want a broader overview first, the homeowner debt consolidation benefits section explains why one loan can be easier than several separate repayments.
Where the main aim is to reduce the time spent paying expensive borrowing, it is worth reading about quicker debt repayment with consolidation. A shorter term can suit some people, while a longer term can suit others who want a lower monthly payment.
Rates, equity, and the application
Debt consolidation rates depend on the property, the loan size, existing mortgage balance, credit history, income, and the requested term. A simple way to start is to look at debt consolidation loan interest rates, then compare those figures with the rates on your existing credit cards and loans.
A quick online enquiry can give you an early view without making the process feel heavy. If speed matters, a secured loan broker with an online decision can help you move from an initial check to a clearer answer.
Home equity is central to most secured loan decisions. The homeowner loans explained page sets out how property value, current mortgage debt, and available equity can shape the amount available.
Previous credit problems do not always stop a homeowner’s application. If that is your position, the page on how to get a debt consolidation loan with bad credit may help you understand what lenders typically want to see.
Some applicants prefer not to involve family or friends. A debt consolidation loan with no guarantor may be more suitable when property equity and affordability are sufficient for the lender to assess the case directly.
Using one loan for larger balances
Debt consolidation is not always about a small balance. If the amount is modest, options for £10,000 of debt can be reviewed against your current card and loan payments.
Where borrowing has grown across several accounts, using equity to repay £25,000 may be worth considering, especially when several creditors charge different rates each month.
For larger balances, a large debt consolidation loan can sometimes consolidate scattered borrowing into a single secured facility, with a term chosen to fit the borrower’s income and plans.
If you are comparing lenders, a direct lender secured loan for bad credit can be useful where you want a simpler route without adding extra broker costs.
For homeowners with older credit issues, secured loans for bad credit can provide a practical route when the property has enough equity and the new repayment is set at a sensible level.
Questions, calculators, and timescales
Before applying, many people want to check likely repayments. A secured debt consolidation calculator can help you compare one new repayment with the total you currently pay across cards, catalogues, bank account borrowing, and loans.
If the application is urgent, the guide to how long a secured loan takes explains the normal stages, including the decision in principle, valuation, legal work, and completion.
Some borrowers want fast feedback before they gather every document. A homeowner loan with instant decision can give an early view, using the details supplied in the online enquiry.
For common points about eligibility, loan sizes, and repayment terms, the debt consolidation frequently asked questions page gives short answers before you start the form.
Other homeowner routes
A secured loan is not the only homeowner route. A debt consolidation remortgage can be considered where replacing or increasing the main mortgage works better than adding a separate second charge.
Landlords sometimes use equity in rental property for business or personal planning. The page on secured borrowing for landlords is relevant where the property is a buy-to-let rather than your main home.
If you want to clear debts without adding a guarantor, the consolidate debts without a guarantor page explains why property equity and a clear affordability picture can carry the application.
Debt consolidation works best when the new loan has a clear purpose: repaying existing borrowing and leaving you with one lender to deal with. It is not about adding unnecessary borrowing; it is about replacing several payments with one planned payment.
For many homeowners, the attraction is simple: no broker fees, no lender fees, a free valuation, high loan-to-value lending where the numbers work, and an online application that does not feel drawn out.
If your aim is to repay cards, loans, and store accounts through one secured facility, Jubilee 2000 can help you look at the figures and see what may be available.