Fresh Finance | Better choices. New habits. How to Clear your Debts.

Smarter ways to clear your debts

Fresh Finance can help you get out of Debt and put you back in control.

Check you qualify for debt help, right here.

An IVA may not be suitable in all circumstances.
Our advice is free but fees may apply and your credit rating may be affected if you opt for one of our debt solutions.

Our Fees

We want to make sure you know all of the costs involved. To ensure you have all the info to make the right decision we've put together a guide to the fee structures for each of the debt services offered.

FreshFinance Blog

At FreshFinance, we are always looking for ways to help our customers get the best information to help them out of debt. What better way than a blog to share some of our newest insights.

Impartial advice

Money Helper
You can get free impartial advice on your finances from the Government's Money Helper Service.
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Clarity with fees

At FreshFinance our goal is to provide you with the highest level of service in the clearest possible way. Which is why we choose our debt partners carefully and their advisory team who share this passion. Their role is to carry out the debt help services for you. They do not receive funding from any other sources, so their charge to you is for providing their services to help you reduce your debts.

The specific fee structures for Debt Management Plans, IVAs and Bankruptcy are not hidden from you. In fact we want to ensure you know all the facts, which is why we have compiled a complete list of fees for each.

Read more about our third party fees Speak to us about the fees

Making better money choices with Fresh Finance

Find the debt help that's right for you

4 potential debt solutions to deal with debt

Designed to put you back on track


Help if your debts are over £5,000

An IVA (Individual Voluntary Arrangement) can help you write off the debts you cannot afford. Debts that qualify for an IVA can be cleared in a set time period (usually 5 to 6 years).

An IVA is a legal process by which you can gain protection from your unsecured creditors by entering into a legally binding repayment agreement with them, which is then supervised by a licensed insolvency practitioner

Find out more

Debt Management

Help if you have debts of £2,000 and over

Debt Management allows you to pay one affordable monthly payment for all of your unsecured bank loans, credit card repayments and your other debts.

The hassle of dealing with your paperwork and and day-to-day dealings with your creditors is taken away and negotiations will be made with your creditors for the freezing of charges and interest to help stop your debts increasing.

Find out more


Help if you have little or no disposable income

If you are considering bankruptcy then it is important to speak to know the key facts before making an application.

Bankruptcy is the long - established formal legal process for writing off unmanageable debt. This process is under the control of the Official Receiver

Find out more

Debt Relief Orders

For those with little spare income and non homeowners

A DRO is another formal legal process under the control of the Official Receiver for people with disposable income, assets, and debts all below certain limits. Debt Relief Order (DRO) is a personal insolvency process.

DROs are one way to deal with your debts if you owe less than £30,000, don’t have much spare income and don’t own your home.

Find out more

Fresh Finance are here to help

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No obligation

Creditors are not obliged to agree to a Debt Management Plan nor freeze interest and charges.

The right schedule

Sometimes rescheduling your Debt payments can lead to an increase in the total sum repaid and can extend your repayment period. You should be advised of an estimate for the total repayment period and length of time for the plan subject to your creditors accepting the arrangements.

Keeping up your repayments

Failure to keep up your repayments once on a repayment plan is set may result in arrangements with your creditors to be broken.

Your Credit Rating

Your credit rating is likely to be affected by Debt Management, Bankruptcy, DRO's and IVA's.

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