If we had to be honest, we'd enjoyed ourselves just a little too much by borrowing far more than we could afford. We'd had our fair share of the luxury lifestyle but it soon became apparent that we were paying off far more money on credit card, store card and loan repayments than we were actually earning every month.

We were having sleepless nights, worrying about where all the money was going to come from and hoping that bailiffs weren't going to turn up to take away Peter's 42 inch plasma TV or my brand new sports car.

I was so desperate that I began surfing the net to look for ways out and I came across National & Capital. I got straight on the phone and ended up speaking to Gary who was just so lovely. He completely understood our situation and explained that if we remortgaged our house we could pay off all our debts in one go. This now means we only have one monthly payment that we can easily budget for!

Sarah Jackson and Peter King*

* This is an example of a typical customer scenario where National & Capital have helped in the past.

OVERALL COST FOR COMPARISON IS 9% APR.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Our fees are either £995 or £2995 dependent on the product purchased. Tracker, fixed and discounts available. Early repayment charges apply and may also apply on your existing mortgage. Think carefully before securing other debts against your home.

Paying off short term loans and credit cards with a mortgage could cost you more over the long term.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

National & Capital is authorised and regulated by the Financial Services Authority for mortgage and non-investment insurance business. Authorisation number 457207. This site is intended for people that live in the UK. © Copyright National & Capital 2006. All rights reserved.