What we do is simple: we help homeowners tidy up their existing credit arrangements with a secured consolidation loan. We can cut their monthly credit repayments by as much as 50%, and, depending on their circumstances and the term of their secured personal loan, they could potentially also reduce the total amount of interest paid.

The typical scenario
No two customers are alike, which is why we treat every customer as an individual. However, many customers share common experiences. If you can see yourself in the following scenario, you should be talking to us.

You have several credit cards with large outstanding balances, plus a personal loan or two. One or two sources of credit was manageable, but put them all together and those loans are becoming a headache to manage. Each payment goes out on a different date with a different interest rate. It's a messy set-up and some months you feel as if you're juggling one account after another.

With a Picture loan, you could swap the whole lot for a single reduced monthly payment at a lower rate of interest. A secured consolidation loan is a sensible way to do this. Consolidation loans are faster than remortgaging, don't necessarily involve solicitors, and don't always require a house valuation. There are no set-up fees either. You can even borrow up to 125% of the value of your home (less your outstanding mortgage), something that traditional lenders won't consider.

There's plenty of choice too. You can borrow any amount between £10,000 and £100,000, and repay the loan over any period from 10 to 25 years.  Our interest rates are competitive – from 7.2%APR variable, to 10.9%APR variable, with our typical rate just 8.4%APR variable.

Picture – our principles
Picture offers people a simple way to help sort out their credit. Customers typically come with a mixture of unsecured loans, credit cards and other types of borrowing.

Picture operates a rigorous screening process. We credit-score all individuals and obtain proof of income to ensure that we don't lend to people who can't comfortably afford their repayments.

Picture customers deal with dedicated loan consultants who are committed to providing the best consolidation loan for them by thoroughly understanding their financial situation and needs.

Picture works closely with every customer to make sure they fully understand what they are buying.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.  YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.