Ben wanted to improve his family's cashflow by consolidating all his debts much like his friends had done, however, he was tied to his current lender for the next 4 years and their penalty for leaving them was too much. We took a look at Ben's income and commitments and after checking the affordability arranged a flexible secured loan with a term to match his mortgage. This kept the payments down, improving his cash flow and also allowed us to look at remortgaging all his borrowing in to one at a later date when his redemption penalties have ended.