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Complete the online application and provide digital bank statements via Experian's Affordability Passport.
Debt Consolidation Loans for Homeowners
Borrow £3,000 - £25,000 with no risk to your home being treated as security. Direct lender.
Authorised and regulated by the Financial Conduct Authority (FCA).
Loan calculator
£14,000
Min: £3,000Max: £25,000
60 months
36 months120 months
Monthly repayment
£0.00
Fixed APR
0.0% APR
Total repayable
£0.00
Total includes lender fee
Already a customer? Check your eligibility for additional funds.
Checking eligibility has no impact on your credit file
Already a customer? Check your eligibility for additional funds.
Combine your debts
Bring multiple existing debts into one payment.
Fixed monthly payment
One monthly payment to help you budget.
Flexible terms
Choose a loan term between 3 and 10 years.
A direct lender you can trust
We're a UK direct lender, based in Norwich, Norfolk.
3 steps to applying for a Debt Consolidation Loan
Review
Our underwriters will review your application, usually within a working day.
Receive Funds
If your application is approved, funds will be released within a working day.
Debt Consolidation Loan Criteria
See If You Qualify- Aged 21-70 (under 71 at the end of the loan term).
- You must have been a UK resident for at least the last 2 years.
- You'll need a monthly income after tax of at least £1,300 (or £1,800 if you're under 30 years of age).
- Be the owner of a residential property in the UK.
Is this right for me? - A Norwich Trust loan may be suitable if you are a UK homeowner looking for an unsecured fixed-rate loan and can afford the monthly repayments for the full term. It may not be suitable if you are struggling with essential bills, already missing repayments, or if extending borrowing would increase the total cost of credit in a way that is not affordable to you.
Who are Norwich Trust?
We are a trusted UK direct lender based in Norwich, Norfolk, who provide unsecured homeowner loans. We help homeowners across the UK access affordable finance without securing the loan against their property. Norwich Trust was incorporated in 2020 and we began lending under the Norwich Trust brand in 2024. As part of the Norfolk Capital Group, we benefit from more than 30 years of experience supporting people who may have been declined by high street lenders or have less-than-perfect credit.
Whether you're looking to consolidate existing debts into one manageable monthly payment, fund a home improvement project, cover unexpected expenses, or achieve other financial goals, our experienced team is committed to finding a solution that works for your circumstances and we aim to get a decision to you within a working day.
Our mission is to make unsecured homeowner loans accessible to those who need them most, helping customers across the UK move forward with confidence, even when traditional lenders have said no.
See why we are trusted by homeowners across the UK
Norwich Trust makes borrowing clear, straightforward, and secure. Read reviews from our verified customers.
Any Questions?
What can I use a debt consolidation loan for?
A debt consolidation loan can be used to combine multiple existing debts into one single monthly repayment, such as credit cards, personal loans, store cards and overdrafts.
How much can I borrow with a debt consolidation loan?
Norwich Trust offers debt consolidation loans for homeowners from £3,000 up to £20,000, subject to status and affordability.
Can I apply for a debt consolidation loan online?
Yes. You can apply online through Norwich Trust using a quick and simple digital application process.
How long can I repay a debt consolidation loan over?
We offer loan terms from 3 to 10 years depending on the amount you borrow.
Can I get debt consolidation with bad credit?
We consider applicants with less-than-perfect credit, subject to our lending criteria and affordability checks.
Will a debt consolidation loan affect my credit score?
We do a soft credit search when we check your eligibility which won't affect your credit score. If your loan is approved, the search will become a hard search and will appear on your credit file.
Check my Eligibility
Still have questions? Our UK-based support team is here to help.