I have 9 defaults on my credit file for unsecured debts. My husband has a clean credit file. We have a joint mortgage with 9 years to go, we have never defaulted on any mortgage payments.
I am in the process of making full and final payments to all my creditors and will be free of unsecured debt in a couple of months.
Would it be worth then applying to remortgage? My husband has made some enquiries and we could save £140 a month if we could switch.
I don't want to go through the process of applying if I have no hope of being accepted.
My husband has £9650 in an ISA.
We have £54000 on repayment and £40000 on endowment. Our house is worth £160000.
He earns £38300 and I earn £30000.
I am in the process of making full and final payments to all my creditors and will be free of unsecured debt in a couple of months.
Would it be worth then applying to remortgage? My husband has made some enquiries and we could save £140 a month if we could switch.
I don't want to go through the process of applying if I have no hope of being accepted.
My husband has £9650 in an ISA.
We have £54000 on repayment and £40000 on endowment. Our house is worth £160000.
He earns £38300 and I earn £30000.