Struggling with debts and high monthly payments?

There may be a way to bring everything into one manageable payment.

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Debt Consolidation Mortgages

If you’re juggling credit cards, loans, or finance agreements… it can start to feel like you’re constantly chasing your tail.

Money comes in… and then it’s gone again. Most people we speak to say the same things:

  • “I can just about manage it, but it’s stressful”
  • “I feel like I’m not getting anywhere”
  • “I don’t even know where to start sorting it out”

And the hardest part? Not knowing what your options actually are.

You might have looked online, maybe even spoken to your bank…but everything feels unclear, or you’ve been told it’s not possible.

That’s where we’re different.

We take the time to understand your situation properly, not just what’s on paper.
Because often, there are options — they just need to be approached the right way.

How We Help

Instead of lots of separate payments, we look at whether you can bring everything together into one monthly payment through your mortgage.

For the right person, this can:

  • Reduce monthly outgoings
  • Make things easier to manage
  • Take pressure off your finances

But it’s not right for everyone.

That’s why we talk it through properly first.

Why People Come to Us

Most clients who come to us:

  • Aren’t sure if they’ll be accepted
  • Have been declined before
  • Or don’t know what their options are

We look at your full situation and give you a straight answer.

Clients we’ve helped

What our customers say

  • Jody

    Verified customer

    YES FS are amazing!! They provided expert guidance and secured the best mortgage deal for me, despite my challenging credit history. Their team's dedication and clear communication made the process smooth and stress-free. Highly recommended!

  • Patricia Ajayi

    Verified customer

    Yes Financial is a very reliable company. The staff are friendly and honest. They always put the customers first. They did not give up on me since I approached them for mortgage until I became a homeowner.

  • Sam Yeboah

    Verified customer

    Yes financial were so helpful, they got me my first property after being denied many times elsewhere due to my poor credit score. I recommend to everyone.

  • J

    Verified customer

    Excellent service. Due to my circumstances I wasn't sure it would have been possible, yet from the very start - the team from Yes Financial Services delivered. There were hurdles along the way but it was clear that I wasn't alone to overcome them. Maximum support from each and everyone from Yes Financial.

Why People Like You Choose Us (And Not the Bank)

Because you deserve better than yes or no.

Most people get the same from the bank. a tick box. A maybe.
We do things differently.

  • We position your case properly

    Not just "apply" and hope.

  • We speak to lenders

    The way others can't.

  • We get people results

    That banks say no to.

Young family

You deal with one person. Start to finish.

  • No call centres.

  • No being passes around.

  • Your advisor stays with you start to finish.

We speak to lenders the way others can’t.

  • We don’t just press submit.

  • We speak to underwriters.

  • We sense-check your case.

  • We know which lenders will actually consider you.

We've helped thousands.

  • Complicated income.

  • Credit issues.

  • Unusual circumstances.

People who thought they wouldn't get a mortgage. And they did.

No pressure. Just a proper conversation.

You’re not committing to anything.

Just have a quick call with us and we’ll tell you:

  • What's possible.

  • What isn't.

  • And what your next step should be.

Get started

3 simple steps

  • { 01 }

    Tell Us a Bit About You

    Fill in the short form or request a call.

    It only takes a minute, and it gives us a starting point to understand your situation.

  • { 02 }

    Speak to Your Advisor

    We’ll have a quick, friendly chat to understand what you’re trying to do.

    No pressure, no commitment — just clear answers on what’s possible.

  • { 03 }

    We Handle Everything

    If you’re happy to move forward, we’ll take care of the process for you.

    From finding the right lender to getting your mortgage approved — we’ll guide you all the way through.

Trusted Lenders

  • Barclays
  • HSBC
  • Nationwide
  • NatWest
  • Santander
  • TSB