mortgage advice, will anyone touch me for a mortgage.

WeeTel

hi i will start from the beginning.
around 6 or 7 yrs ago i had a good solid job. so i decided to buy my property, i got a really good price of around £37000, as you could imagine i snapped it up on an abbey fixed rate for 2 years, and i am continuing to pay this off at a rate of 5.4% which i feel is fine.
here is where the problem start though.
i started my own business in 2004 and by 2005 i had ended my previous well paid job, and continued to work for myself.
this was fine for the 1st year, possibly 2, then i started to get into debts with credit cards and overdraft etc to fund the business, then in early, 2007 the business went bust leaving me with a lot of debt, approx £30000.
i thought that the only way out was to get a secured loan which i did (i have now found this to be a bad idea due to the 14.9% apr and fees i borrowed £25500, am paying this at £335 for a year and still owe £29900) and clear off my debt and start again.
the problem was i didnt clear off everything and i found myself still in debt for around £5000, i could not afford to make the payments and found myself falling behind and getting 2 x CCJ, 1 for £4500 and 1 for £900. along with maybe £4000 of personal debt.
so anyway this was around a year ago and from then i have been struggling to pay off the mortgage, the secured loan and the other personal debts as well as run a house.
i now am in a lot better position where i have a new seccessful business running for 2 years, and i have been clearing these debts as i can, the problem is i am now realising that for the last year i have been paying out way too much..
i am paying out around £800 - £850 a month for debts totalling to £72000.
i am now earing around £1500 per month,
i have been trying to take control of my finances and possibly get a remortgage at a really good rate if it is possible for me, to cut this down.
i am unsure if any lenders will touch me. i know i could go down the secured load route again but this is not an option for me from previous experience.
i also know that i can go to debt management people and get some help but i am trying to be a typical man and deal with this problem myself.

i realistcally would like to find out if any mortgage lenders would touch me for a remortgage to sort out my finances, as i have just had a child and would like to buy a house in 2-3 years with my partner, and at the minute unless i remortgage or sell the house i already am in difficulty with i will never get any further, i will continue in the downward spiral.

could someone please advise me if a lender would touch me. or am i still too high risk.

WeeTel

was thinking of a remortgage to sort out everything i owe,
i have a current mortgage of £31689 at a 5.4% rate. with 21yrs left,
i have a secured loan of £29900 at a 14.9% rate with 24 yrs left.
i have debt totalling to 15k at various rates.
i was thinking of a remortgage to pay off all my debts and reduce my payments, can anyone advise if this is a good or bad idea?
my property is worth minimum £100k possibly more, and was wondering if any lenders would touch me for a remortgage and if so is it a better idea to remortgage for £75k at a 8% rate or continue where i am?
also will anyone touch me. due to the debt i am in?