Hi - can anyone answer a few questions about re-mortgaging for me please?
Firstly, we want to re-mortgage to get lower repayments and also borrow more to consolidate some debts.
We have already been to our current mortgage provider but they can't help (more later about that).
Problems are:
1. I work part time and hubby is self employed for about 2 years only
2. House is 50% shared ownership
3. Earnings are considerably less than when we got first mortgage 10 years ago.
Our current provider will not lend extra money to shared ownership customers to consolidate debt - only for buying other half of house or for home improvements (really not sure why!!), self employed bit wasn't a problem for them as he does the same job as before, just working for himself now.
Is there anywhere we could try who won't kick us out the door after 5 minutes?!!
Firstly, we want to re-mortgage to get lower repayments and also borrow more to consolidate some debts.
We have already been to our current mortgage provider but they can't help (more later about that).
Problems are:
1. I work part time and hubby is self employed for about 2 years only
2. House is 50% shared ownership
3. Earnings are considerably less than when we got first mortgage 10 years ago.
Our current provider will not lend extra money to shared ownership customers to consolidate debt - only for buying other half of house or for home improvements (really not sure why!!), self employed bit wasn't a problem for them as he does the same job as before, just working for himself now.
Is there anywhere we could try who won't kick us out the door after 5 minutes?!!