Professional
My experience with this company was absolutely helpful. Characterises massive knowledge and professionalism. I was lucky to get help from such a helpful company. It's saved my life.
MichaelConsolidate Credit Cards & Other Debts Which does not affect your credit file Classic Debt Restructuring
Explore debt restructuring options without affecting your credit file. Designed mainly for homeowners, with specialist advice based on your circumstances.
Explore debt restructuring options without affecting your credit file. Designed mainly for homeowners, with specialist advice based on your circumstances.
- Consolidate credit cards, loans or overdrafts
- Explore ways to reduce monthly outgoings
- Options for complex or adverse credit
- Access to specialist lenders
Specialist lending supportWe can review suitable options from high street, specialist and secured lending providers.
What Our Clients Say
Trusted by clients across the UK for expert advice, clear guidance, and real results.
Thank you
Stephen was great, took his time with me. Grateful I can get my new bathroom.
SelinaProfessional
Characterizes massive knowledge and professionalism. I was lucky to get help from such a helpful company.
KarolBest people to help you
They helped me bring my payments down. So happy I can start living my life again.
ShermeenExtremely helpful
Stephen at CH Finance was extremely helpful and gave me the best advice and solution.
AaronHighly recommended service
From start to finish Stephen supported us each step of the way. Uncomplicated and stress free!
CustomerPatient and understanding
Went above and beyond to help. I can now see the end to a very worrying time.
LydiaGreat expertise
Expert knowledge and sympathetic support through a tough case now resolved.
GarAbsolutely fantastic
Honest and friendly service. Recommended highly.
BarryExcellent service
Extremely helpful and gave me the best advice and solution. Stress has been cleared away.
SarahWould recommend
Explained everything clearly and payments are now manageable. Big weight off my shoulders.
DeanFantastic service
Approachable, explains options clearly. Highly recommend CHFinance.
VictoriaHelp and support
With help and support my life is looking better. Thank you Stephen.
MichaelBrilliant service
Help and advice was second to none. Made a very difficult situation easy.
PaulExceptional adviser
Communication exceeded expectations. Patient and responsive, guided us clearly.
MrsHighly professional and compassionate
Stephen Clarke demonstrated great care in resolving my financial requirements.
PatTop class
What a fantastic service I had from Stephen. I can't thank you enough.
PaulThank goodness
Back in control of my life and finances. Thank you for your professional help and support.
GuestFantastic team
Jimmy Allen and the team are fantastic. The service was impeccable and I couldn't fault him and Stephen Clarke at all. Highly recommend 👌
JenineWhat isClassic Debt Restructuring?
We simplify your debts into one affordable monthly payment, often with a lower interest rate, so you can regain control of your finances and move forward with confidence.
Speak to a Specialist
We'll assess your situation with no obligation.
Review Your Debts
We will assess your liabilities (credit cards, loans, overdraft, and store cards). We will assess the interest rates, the balances and the monthly payments.
Bring Debts Together
We will explore debt restructuring options that may allow you to bring problematic debts into one account, with one interest rate and one clearer monthly payment.
Create More Monthly Freedom
The aim is to lower your monthly payments and leave you with more money available each month. You could use this for savings, your family, or even make overpayments to help clear the debt quicker.
I am a homeowner. Would I qualify?
Yes. Most of the clients we help with debt restructuring are homeowners who want to explore options without affecting their credit file. We will review your situation and look at a range of suitable options, with the aim of restructuring your debts into a clearer and more manageable plan where possible.
I am a tenant/renting. Are there any options available for me?
Unfortunately, our debt restructuring solutions are mainly designed for homeowners. However, we would urge you to speak to MoneyHelper or other free debt advice service providers to understand what debt solutions you may qualify for.
Can you help if I have adverse credit?
Yes, in many cases we can. We work with lenders who may consider clients with adverse credit, including missed payments, defaults, CCJs, or other credit issues. Debt restructuring can sometimes help tidy up your financial position by bringing multiple commitments into one clearer monthly payment, where suitable.
I have limited equity in my property. Would I still qualify?
Yes. We work with lenders who may consider higher loan-to-value cases, including options up to 100% of the property value in certain circumstances. The higher the loan-to-value, the higher the interest rate of any potential solution may be. This will depend on your property value, mortgage balance, income, credit profile, and overall affordability.
Are there any fees for your service?
Yes. We do charge for our service, but we charge no upfront fees. If no solution goes ahead, there will be no cost to you. If any fees apply, they will be clearly outlined to you and may be added to any lending solution or loan, where suitable and agreed.
How long does the process take?
The process can be quick, especially if you provide the required documents promptly. Once we have the information we need, we will work carefully on your case and prioritise it as a debt restructuring solution. Some cases may complete in around two weeks, while others can take longer depending on the lender, documents, valuation, and individual circumstances.