How soon can I borrow more with Nationwide?

77588p

I have recently taken further borrowing for a bit of debt consolidation however now thinking we may want to upgrade our kitchen. 

How long do we have to wait before we can reapply?

MattMattMattUK

77588p said:

I have recently taken further borrowing for a bit of debt consolidation however now thinking we may want to upgrade our kitchen. 

How long do we have to wait before we can reapply?

Read the T&Cs, but unlikely to be a good idea regardless. 

Emmia

I'd press pause on the kitchen "upgrade" as it sounds like you can't afford it.

If you've just "consolidated debt" (did you add credit card / loan debt to your mortgage? thereby changing it from unsecured to secured) it sounds like you need to look at your overall finances.

Maybe start another thread over on the Debt Free Wannabe board with a Statement of Affairs (SOA) to see if the helpful people there can assist you..

https://www.lemonfool.co.uk/financecalculators/soa.php (format for MSE)

You were offered similar advice to this on your other thread in April 2023 https://forums.moneysavingexpert.com/discussion/6440066/accepted-for-everything-but-debt-consolidation#latest