House repairs

System

This discussion was created from comments split from: Bankruptcy questions.

deliveryguy1

I  have recently been discharged from bankruptcy 0n the 29/01/21 1 have a joint mortgage and current income is about £1900 per month including  benifits 
we currently owe £28000 on a mortgage house is worth around £70000 in need of repair  needs new kitchen new bathroom felt needs replacing on roof new electric etc  currently paying £358 on mortgage with Natwest bank  made up of a £104 interest and £254 princable  there is a charge on the house for my half 
what should be my next move should i go to the bank to see if they will lend us the money roughly 22000 extra should i get a valuation to get the value of house  any advice is welcome  thank you in advance for your replys