Why don't you give Welshboy a call, this is more his field, his details are on the left in the experts section, and he can cast an expert eye over it for you.
The impact on a persons credit rating resulting from a debt management plan varies widely from case to case. A debt management plan in itself does not appear on the credit file; everything depends upon what your creditors have reported to the credit reference agencies about the payments on each account.
As previously mentioned a mortgage broker will be able to research the market for you based upon your unique circumstances.
He has been an invaluable source of information and help to posters on the forum.
Good luck with finding someone Mel. Look forward to seeing another mortgage broker willing to help those of us in difficulty, posting on the forum.
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