Paul and Julie bought their house just after they married and all was well but now they had two children and as Julie was no longer working money was tight and their credit card balances were forever increasing. By the time they realised they needed our help they had already taken out a loan to clear several credit card balances all of which seem to be up to their limits almost overnight. They were using expensive short term credit to cover long term needs. We organised a fee assisted remortgage to consolidate all their debts into one affordable monthly payment and the schemes flexible features meant they could work to reduce the debt if they wanted when Julie returned to work in a few years time.