mortgage with bad credit

angieplus4

hi i am not tied in to mortgage with nram but i am doubting i would never get another i have a debt management plan for about 40 grand my mortgage is about 142 grand would i get another mortgage is it worth looking or am i just waisting my time? my partner earns about 19 and half per year and mine has reduced to only 4000. we was hoping we could add altogether and make payments easier . if any one has any answer i would greatly appreciate

Thrugelmir

Suggest you book at an appointment with your local Citizens Advice Bureau, and discuss your finances openly there.

From the information you have given. Difficult to see how you can realistically improve your situation. Any rise in sizable increase in interest rates will I suspect sink you.

The way forward is most likely to go back to ground zero and rebuild.