Please reccommend me a decent mortgage broker for Teesside remortgage

jgallcash

I hope someone can help me.

I need a fees free all of market broker to try and find a decent remortgage rate for my mother (49 years old).

The problem is that she is awful with money in terms of using easy credit from days gone by to fund everyday life because of a poor job and lack of management. I'm so dissapointed because it really has nothing to do with funding a particular lifestyle; she has never had any money and has nothing to show for the current £6k she owes on 4 credit cards.

The banks have (apparently) upped her interest close to 40% and she hasn't spent on these cards for 6 months now, just paid minimum monthly repayments with a little over to clear the balance (i know how long this would take, YEARS!)

She bought her ex council property for £48k and it is currently worth around £100-115K. She is currently run onto the HSBC SVR and needs to remortgage including raising some capital to pay off these debts. I believe that extending the term of the mortgage is or was a no no originally and i'm presuming this would still be the case.

1. Has anyone heard of these credit card interest rises? ( she does have a poor credit rating i'm sure)
2. Does this sound like something that might be possible in the current climate? With a fairly decent rate?
3. Does anyone know a decent broker that covers Teesside?

I live in the capital some 250+ miles away and despite being really disappointed with my mum for burying her head in the sand over this I really want to help her get out of this mess, other wise i'm absolutely sure it will spiral further.

As ever thank you so much in advance for any responses good and bad.