Remortgage direction needed

stephennib

Hi everyone,

I am currently looking to remortgage my house:

Value 105-110k
Outstanding 56k
extraborrowing 20-24k (to repay high interest secure loan 17k, bank loan 4k, + odd cred card debt)

after losing my job about 2 years ago and just about managing to hold on to my house i am slowly working back up the income ladder.

i have just started a new job on salary 15k, however i have a tenant who pays 4.1k pa in rent and can afford the repayments.

anyone can suggest the best direction to take to i) secure the borrowing i need to reduce my outgoings ii) the lowset possible cost of doing this.

thanks
steve