Remortgage with bad credit

Missi

I will shortly be coming to the end of my 2 year fixed rate with Kensington Mortgages but since taking this out I have had to take on a Debt Management Plan with Stepchange for arrears with credit cards & overdrafts. These total c. £18k. I had defaulted on these payments but have never defaulted on my mortgage payments and as I am now on the DMP, these payments have been made on time, be it at reduced rates.

My question is, once my mortgage fixed rate comes to an end, what is the likelihood of Kensington or anyone else, for that matter, giving me another mortgage?
I have a secure job which I have been at for 10 years and earn £30k. I have no CCJ's or never been bankrupt but my credit file will be shot to pieces.

Thrugelmir

Only your product term has ended. Not the mortgage. Being in a DMP means that your only option is to see what options Kensington offer you.