I need to have a 4th bedroom because my son has speech, language and behavior issues (none of which is covered in my IVA and the therapy i have to pay) and he shares with his sister which is causing problems., I also have a heart problem called myocarditas which is like heart disease, which is affecting my full time employment as an executive chef,
If i could re mortgage and release some equity, would this be classed as a windfall, would this mean if i borrowed 30k against my house would i have to pay this 30k to my IVA or would i only have to pay the 6k i owe of the figure that was agreed i pay back?
Its a bit confusing to me.
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