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Warnings on Debt Consolidation

If you consolidate debt the new loan may take longer to pay off than previous loans.This means you may pay more than if you paid over a shorter term.

Mortgage terms should be kept as short as possible, consistent with your repayment means.
Warning: your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.
Variable rate loans: the payment rates on this housing loan may be adjusted by the lender from time to time.

Warning: you may have to pay charges if you pay off a fixed-rate loan early.
Warning: before fixing your rate, check what rate will apply to your loan after the fixed rate period expires.