Help needed

d1anac

oops and our mortgage is £150741.99 but with early repayment fee it is £159985.51

d1anac

the house is the only secured loan we have and the mortgage is in joint names

maxmycardagain

what are the debts you have then?

i think you can expect a 3 year IPA on your combined incomes though

d1anac

outgoings monthly

csa £102.00
mortgage £967.62
rates £77.00
water rates £51.92
elect £60
gas £40
phone £20
mobile £30
building & contents ins £46.19
life ins £33
tv lic £11.50
rac £16.00
sky £21.00
broadband £12
pets £28
diesel £280
bike ins & tax £30

maxmycardagain

use THIS and see what comes back, i think you can copy+paste into a post here thanks to MSE...

maxmycardagain

ooops

crossed replies

maxmycardagain

outgoings monthly

csa £102.00
mortgage £967.62
rates £77.00
water rates £51.92
elect £60
gas £40
phone £20
mobile £30
building & contents ins £46.19
life ins £33
tv lic £11.50
rac £16.00
sky £21.00
broadband £12
pets £28
diesel £280
bike ins & tax £30

car costs? road tax/insurance/services/tyres?
you can also include amounts for haircuts, holidays, child care, xmas
the OR can decline amounts you put in, so best to overestimate


apart from the mortgage, what debts do you have, loans, CC's, HP, etc and are they joint?

do YOU need to go BR or just hubby? if only the mortgage is joint then you may not need to go BR

if you dont and the house is in negative equity you could buy out your hubby for about £250, job done.

d1anac

car we have just hired one from hubbys works at £209 a month straight from his wages, all we have to do is put diesel in, no car tax or ins, because we cannot afford to repair ours (its worth about £800) repair bill about £450 to get it through mot,

d1anac

i just wrote big reply listing everything, phone went , knocked keyboard and lost the lot

d1anac

the only debts we have are in hubbys name, and they are unsecured credit cards, 6 cards and bank overdraft