We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Re mortgage and debt consolidation question

Hi. Would be grateful if someone could help me. We have 17 years left on our mortgage- owe £68,000 on mortgage- similar houses on our street going for circa 90k. We have never missed a payment on anything, but have 30k in loans and credit cards between us. (I know thats bad- but a combination of many factors over the years= mainly massive childcare bills that are now much reduced). We earn 27K each- so household income of 54k. Would love to try and remortgage and thus lower monthly outgoings. We do clear debts every month and circumstances that led to us always overspend are behind us. We are with the 'bad' part of NR- we initially had the 125% deal which accounts for a huge part of the unsecured debt, so can't get a new deal with them.
My question is- would anyone touch us to remortgage and consolidate the debt ? Am reluctant to go to bank if it means any requests would go on our credit history. Thanks in advance
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.