£50k income + 6 houses but 0% chance of a loan

MrFrugalFever

If I was a lender looking at your situation, my immediate thought is, I could very well double your debt and put myself in to a situation whereby I’ll never get the money back without taking some form of legal proceeding against you.

now, I don’t know your full circumstance, the property net worth (equity etc) and any savings tucked away you may have, but what I do know is that if I were to lend you £30k to ‘pay off your cc’s, how do I know that you won’t then proceed to do this and load the cc’s back up with another £30k, effectively putting you in to £60k worth of debt. That’s more than your annual income.

as mentioned by previous posters, debt consolidation rarely works and is a slippery slope - I learnt the hard way.