how would that work and what would I need to do? how badly does it affect your credit rating as we currently have very good rating? would be able to get a mortgage once this was in place as we would idealy be looking to move in a few years which would enable us to pay off the secured loan?

£300 per month, and we are always in our overdraft which we get charged for.

HI, Sorry using different name as couldnt get logged on as sprrot05. we have a mortgage of 97000 with 95000 left to pay but also have redemption fees of around 5000, house value is around 115000. there is around 15000 left on the secured loan, we have £6 left at the end of the month but this is incl...