They can count working tax credits as income, because it is income that you are receiving.
As for a remortgage, you can try your own lender first, or give Tony Parson, who posts as Welshboy on here, a ring. You can find his detail under the expert link on the left hand side of the page
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
