Hi
I would ask payplan to orgnise this for you.
Mortgages are easier to obtain than unsecured loans so as long as you can raise a deposit,probably 10%,then you should have no difficulty in buying again.
Have a think about moving now and using part of your equity to fund an IVA,staying in the housing market could help you,but there again it may fall[we keep hearing this but it never seems to happen]
Whatever you decide please keep posting your questions until you are clear in your own minds.
Regards
Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)
Please check out my blog:
http://andydavie.blogs.iva.co.uk
View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp