If you have loans, credit cards or store cards with different companies you can make use of the equity in your property and incorporate these into your mortgage, leaving you with:  

• One simple monthly repayment
• A lower amount to pay each month

The reason the monthly payments are lower is because the rates you are paying on loans, credit cards and store cards are generally higher than those you would pay on a mortgage. Although the monthly payments will normally reduce, the overall costs may increase and the repayment period may be extended. 

Think carefully before securing other debts against your home. 

APH's typical fee for arranging your mortgage is £250, however depending on your circumstances, a fee of up to 1.5% of the mortgage amount may be charged