Thank you, will hopefully hear back from them next week with what they propose I have just turned 55 so the mortgage term can only be over 11 years and the interest is 6.74% on the 44K being offered. 🙈 If they wish to take that sum I assume I could borrow that amount from my mum instead? Just wonder...

Hi I am at month 54 of my IVA and was asked to raise £64K equity on a remortgage: my outstanding mortgage is £38K so I needed to borrow £104K to cover everything associated. The IVA came about due to a 15 year business going under due to fraud. Myself and two business partners had guaranteed an RBS ...