We can't say we didn't enjoy ourselves! We did all sorts of crazy stuff whilst travelling around the world like bungee jumping off bridges and buying a van to drive across Australia - I still don't know who we gave it to in the end! Money soon disappears doesn't it?

The thing is, once back in England and having to live normal lives, doing normal jobs, we found we were struggling to pay for all the fun we had whilst we were away. Anyway, one day I decided that enough was enough and that there must be a simple way to reduce how much we were paying to all these different lenders.

My Mum told me about National & Capital so I spoke to Michelle, one of their advisers. She was dead helpful and got us this fab debt consolidation loan that has helped put us on the straight and narrow. It does mean that we've had to grow up a bit - but it still doesn't stop us going crazy when we want to!

Tina Fox*

* This is an example of a typical customer scenario where National & Capital have helped in the past.

OVERALL COST FOR COMPARISON IS 9% APR.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Our fees are either £995 or £2995 dependent on the product purchased. Tracker, fixed and discounts available. Early repayment charges apply and may also apply on your existing mortgage. Think carefully before securing other debts against your home.

Paying off short term loans and credit cards with a mortgage could cost you more over the long term.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

National & Capital is authorised and regulated by the Financial Services Authority for mortgage and non-investment insurance business. Authorisation number 457207. This site is intended for people that live in the UK. © Copyright National & Capital 2006. All rights reserved.