Hi thanks for the replies, Yes I have moved here to a new permanent job, regards equity in the property we have about 15K, but changed mortgage to leave UK so not possible to remortgage again?? I would like to keep the property for a while if possible so not sure what the IVA involves etc etc please...

Hi, I currently have around £35000 of debt that i am struggling to pay back! We have recently moved to Australia but we have kept our property in UK and this is currently rented out, we are struggling to make the payments back to UK to cover the debts and are looking at the best way to try and clear...