Hello Melanie and Andrew,

I will need to have a long hard think.

Thanks for your advice.

newman

Hello and thank you for all the responses. I have a 'repayment only' mortgage, with a penalty if I pay off early. So will look at interest only. Believe it or not I have been in full time employment with current employer for the last 15 years! But my wage is not enough for me to get a re-mortgate of...

Hello, Thanks for the kind welcome and very useful advice. I pay £720 with firstplus -secured loan(did not know it was variable interest, up from £660) and £380 with Abbey (mortgate), but this is fixed term for another one year(5.5%?) I agree I could look remortgaging. putting both loan and mortgage...

Hello Melanie Giles,

Thank you for your advice.

I will look into these options.

With £35k owing and payments approx £750pm, what could this go down to with an IVA? I can afford about £200-£250 pm.

Thank you

newman

Hello, I would be grateful for any advice. I have £15k unsecured loan and approx £20k on credit cards with 5 companies - in my name only. Our house is valued around £150k and I owe £60k on the mortgage £80k on a secured loan - both in joint names. I have good credit and have never missed payment/pai...