Where to go for a re-mortgage????????

keith_lard

maninthestreet wrote: »

I'm not surprised.

For the record.

I was made redundant in 2003

Not my fault.

I worked my A$$ off trying to keep my job.

I had to 'choose' to pay my credit cards or Mortgage.

I choose Mortgage.

I have never missed a payment on secured debt...ever!

I only want new windows, as mine are leaking.

MY way out is to be a unemployed dobber, council pays for my house, council tax and the rest.

But because I choose to work I get stamped on by the banks.



Why?


I dont know the ins and outs of the 'ways' of the banks.

Just trying to understand 'how' to get back on my feet.


But BRITIAN says dont work we will pay for it all...


not me ...

The fight continues, just to get a better %

IS it too much to ask..........


k.

puddy

i think you should turn this round the other way.

lets start with what you think needs doing and why

you said about your windows, are they already upvc or are they wood, if so, have they rotted, are all of them rotten?

are windows the only things that need doing?

what quotes have you had, 16k sounds a lot for just windows although you may need other things doing

what things are you able to do yourself, diy i mean?

have you posted questions on the diy section here, asking about the works and how much and what you can save on or do with limited help??

at the moment you have a fairly high mortgage for your income,, plus credit etc of 290pm,,,and you want to add another 16k on top of that?

think seriously about what works you can put on hold until the debts are clear and what works you can downscale or get cheaper

ben_Mortgage_consultant

Your problem is a common one, ability to pay but lenders unwilling to lend to this type of scenario. The CCJ on its own should not stop you mainly due to the fact that it was registered almost 5 years ago. The issue here is income (or lack of) and and possibly other damage on your credit file (any missed/late payments in addition to this CCJ will seriously hamper you)

My advice is to approach an independant Mortgage broker with your credit file in your hand and look at getting a couple of well placed credit searches done. Your joint income is going to need to be at least 28k joint as with your credit card debt they will reduce this from your income. I have to stress though that missed / late payments in addition to the CCJ will almost certainly result in a decline, but you sound as though you need to know for certain whether this is going to be possible.

Good luck.

puddy

it doesnt sound like an ability to pay to me

keith_lard

Ben and Jenna

THANK YOU !!! for your input.

All I want is to keep going and somehow get back on my feet!

I was amazed when I phoned ACCORD MORTGAGES.. a few questions and NO! SORRY!

anyway....

Will keep trying...

Again will say all debts on secured have always been paid, on time, why is it so difficult to get funds?
Secured on a house?


Ocean finance?


Anyway in contact with a indepenadant advisor, will report back soon.


I guess important lesson learned, never take out Credit not know the risk, but why the risk so hidden via the banks who give it out?


k.

puddy

so anyway, back to the windows, explain more, number, sizes, any bay windows, current condition

are you sure you're borrowing this just for windows???

Treadmill

Buy the windows one at a time from Wickes and fit them yourself.

mummytofour

Or buy the windows one at a time from a local window fitter, I have been quoted £380 for my fair size bedroom window.