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[alt_text]( Don't let outstanding debt affect your chance of getting a mortgage. [Debt consolidation]( may be ideal if you want to get a handle on an overwhelming debt load or simply wish to reduce your monthly expenditure. [Debt consolidation]( can potentially help you reduce your monthly outgoings, which in turn may help towards your monthly payments, thus easing your affordability during this cost of living crisis. If you have a history bad credit, we can also help with that too, check out our [new video about Bad Credit Mortgages](. PLEASE NOTE: Consolidating debts may result in the payment of a higher interest rate and/or charges. It may also increase the period and in turn overall cost of the finance. Please ensure full consideration of these points are taken into account before proceeding. [Find out more →]( Use our free [mortgage calculators]( below − no credit checks! [alt_text]( [Bad Credit calculator →]( Fill out a few details to see if you are eligible for Bad Credit Mortgage [alt_text]( [Mortgage Affordability calculator →]( Complete your income details to give yourselves an idea how much you may be able to borrow. [alt_text]( [Self Employed calculator→]( Fill in a few details to see if you qualify for a Self Employed Mortgage [More calculators →]( We know times are tough, and we are here to help. Nationwide's latest affordability report states that, between the start of the pandemic in March 2020, and the end of 2022, house prices increased by 19%, whilst income only rose by a maximum of 9%, making it hard for people to [afford a mortgage]( especially first-time buyers. On top of this, in February 2023, the Bank of England increased their base interest rates from 3.5% to 4%. With this increase, the mortgage rates are set to rise to around 5.4% by the middle of 2023. We know affording a mortgage may be tough at the moment, but we are here to assist you, try out our [mortgage affordability calculator]( to see how much you may be able to afford. [View our mortgage affordibility calculator →]( [Blog post]( [Plan ahead for the best remortgaging deals]( For many homeowners, [remortgaging]( will be high on the agenda as existing agreements reach the end of term. If you decide to remortgage, you can do this with your current lender or decide to choose another lender. [Seeking advice]( six months ahead of the change, rather than delaying, can help to avoid delays that may result in you getting stuck on your existing lenders standard variable rate. [Read post →]( [Blog post]( [How to get a mortgage with bad credit]( Getting a bad credit mortgage may be easier than you think. Don’t be disheartened if you have been turned away by high street banks & lenders. We specialise in mortgages for those with a poor credit history. The process of getting a bad credit mortgage is actually very straightforward, it is something entirely under your control – you can start today by following the steps to the right. [Read post →]( [Moving house, or buying a new property?]( [Visit our website →]( [alt_text]( [alt_text]( [alt_text]( [01473 356 284](tel:01473356284) [justmortgagebrokers.co.uk]( [Just Mortgage Brokers]( Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. [Just Mortgage Brokers]( Limited. Registered Company number: 08389911. Registered office: 80 Compare Crescent, Ipswich, IP2 0EH. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. JANUARY 2023 [Unsubscribe](#) This email was sent to {EMAIL} [why did I get this?]( [unsubscribe from this list]( [update subscription preferences]( Just Mortgage Brokers · Unit 2/3 Friars Courtyard · 30-32 Princes Street · Ipswich, suffolk IP1 1RJ · United Kingdom