Worried and want a new Mortgage.

TRANSPORTER

Hi People, ok here goes, moved into a new home two years ago,(Baratts) any way we had a mortgage with Abbey National and were going to renew with them, but Baratts insisted that we used their onsite broker, we were against this as we were being treated like first time buyers with no experience, even though this was our fourth house. But we entertained them and he did his stuff, obviously I had to tell him that I was Currently and still am on a DMP with the CCCS, due to a divorce.
We lost the offer from Abbey after he got involved and had to use an independent broker which we trusted as our business bank manager (HSBC) worked there, they managed to get us a mortgage albeit an interest only with Deutche Bank UK.
The offer we were given was for two years fixed interest only, repayment per month of £1017.
Now the two years are up and they have moved us to a variable rate interest only, which at the moment is fine as the payments have halved to £530 per month, no other offer seemed to be available to us.
At the moment its fine but if the LIBOR rate goes up then the payments shoot back up which we dont want.
Now due to me being on a DMP have been for three years I assume that no high street lender would lend to us?????.
We have never missed a payment on a mortgage or on the DMP or anyother bills so we know what we can afford, (the Abbey offer was for £780 per month and at first they said we couldnt afford that, but we have managed to afford £1017 per month for the last two years)
So two Questions,
1 does anyone know if a high street lender would look at us on a nice fixed rate mortgage?
2 After talking to the CCCS they have given me the number for a company called Charcoal Mortages, who they say deal with other CCCS clients, has anyone any info on this company and would you deal with them?
Many thanks for any info, we work hard to keep our home and will continue to do so until its ours.