Remortgages for debt consolidation have the following additional limits:

• 85% LTV for customers able to meet our higher credit score requirement (maximum consolidation of £50,000 unsecured debt or 10 debts)
• 80% LTV for customers who meet our standard credit score requirement (maximum consolidation of £50,000 unsecured debt or 10 debts)

Where the applicant chooses to add the product fee to the mortgage at completion, we will not include this in the LTV calculation.


Please note the debt consolidation restriction does not apply to staircasing/paying off HTB or shared equity.