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. On some plans a fee of up to 12.5% may be charged. Rates from 7.9% APR. Variable. Representative 15.9% APR There may also be a range of plans with rates up to 29.9% APR which will allow customers even with the most severe credit problems. Consolidating debts may increase the term & total amount payable. Loans secured on property.