Thank you, credit cards have been cut and catalogues are in the recycling bin....

Can anyone recommend a mortgage broker, what costs are involved?

If I cant get a secured loan what chances have I got at getting a re-mortgage? Have I messed up my credit rating by doing this? Would it be with my current lender or would I have to look elsewhere?

I really appreciate your help.

Thank you

Thank you for your reply, im really sorry for asking any stupid questions...

Loan £13000 Joint
Loan £7000 Me only
Credit Card £5000 me only
Credit card £7000 wife only
catalogues £3000 wife only

By releasing equity from my house, does that mean having to sell it?

Please can somebody help me. I have debts totalling £35000, i have never missed any payments on anything, but its now at the point where I am living off my credit cards after everything is paid and now the credit cards are nearly maxed. My income including tax credits and my wifes income is around £...