Very Bad Credit Remortgage

Simulacraton

So, I took my mortgage out about 4 years ago and after a year lost my job. I then got a better paid job, but hated it so much I left and struggled to get back to work for 6 months. Had savings left over so I was okay for a bit, and got back to work in the nick of time.

So, new job, started to recoup my finances, but it was a struggle. A few times I had unexpected bills and took out a couple of pay day loans.

I had a hard time in my new job, felt very low, some people were simply nasty. At my 6 month probation I was let go. I was actually relived in one way, but even more stressed due to the state of finances.

So, my credit score took a real beating after that and I fell into anxiety and depression, which reduced my motivation and self-worth a fair deal. I spent another 6 months or so unemployed, until eventually I got back to work on slightly lower wages than I was on, but in a job mostly bereft of nasty people

So, I put a plan in motion to start paying off my creditors and make extra payments to the mortgage to get it up to date. However, I am quite impatient and I actually get depressed at the thought of working for years without reward other than debt repayment. I took out an unsecured loan to cover all my debts and pay for a few small things to get me on my feet again and make life easier (a working car for example). The loan is high interest though, so I had planned on allowing my credit score to heal up a bit then repay it as soon as I could get a remortgage to consolidate it.

That was 6 months ago.

I am now finding it hard to make ends meet again. I don't yet seem to be able to remortgage as people say I have been in arrears/default within two years. Is this true? I have about 100k in equity on the home I own. I owe 29k on the mortgage and 24 on the loan. My mortgage is for another 11 years.

I can renegotiate with the mortgage lender and they have agreed a new rate for me, which puts my mortgage down to £145/month, but before I go ahead is there any chance for me to consolidate the secured loan, which is £345/month, and hurts to pay.

Any ideas?