So Confused About Mortgage

julia78

I have an outstanding mortgage of roughly £64,000, a secure loan of £20,000 and around £5,000 of debt on credit etc. My mortgage rate ends the beginning of March and now that my wage has been increased to over £20,000 (single income), I am wondering when I should be looking to get a new mortgage deal... what's the best time to look? I am currently with the Alliance and Leicester (mortgage through broker) which I have had no problems with my mortgage however, they are dreadful as a bank! I'd rather stay away from them completely. I have been on an "agreement" with all outstanding credit cards for about a year now and am really struggling. I am under the illusion also that due to being on a temporary contract, I won't get a mortgage and I don't think I will be able to combine all my debt... I could cry!!

_Andy_

How much (realistically) is the home worth?

julia78

I had a local valuer say £110,000 - £115,000 recently...

kinglewis

Try the broker who set it up for you originally?

kinglewis

Although the temporary contract thing could well prove to be an issue.....

julia78

It was through Endsleigh Finance I got the original deal from so will probably go back to them but didn't know when I should as what kind of time limit do you have to give yourself?