Summary: Yes, it is often possible to consolidate multiple assets, particularly property, land, or valuable investment holdings, into a single finance agreement using secured lending products like portfolio mortgages or bridging loans. This process simplifies management but concentrates risk, as all consolidated assets typically serve as collateral for the entire debt agreement. Your property may be at risk if repayments are not made.

Summary: Yes, you are required to add all existing financial liabilities, including multiple credit cards and loans, in the credit section of your application. Lenders must verify your total debt burden against your income to assess affordability, and omitting debts can lead to application rejection or serious consequences later, as the information will ultimately be checked against records held by credit reference agencies.