Remortgage...bad credit?

[angelsta904]

Hi Guys
hope someone can help or give advice.
My mortgage is with Acenden for 41k and I pay 320 a month
I have a secured loan on the property for 27k and I pay 450 per month (this has arrears on which im paying 50 a month back)...on my Noddle report this shows as a late payment


I have defaults on my Noddle report totalling up to £1200.
I earn 15k per year and get a monthly commission which totals up to £4200.

I know my credit isn't fab, but I just want to reduce my monthly mortgage and secured loan bills.
no one will touch me...any help or advice..
just want to remortage and be paying less than £770 a month

any help or advice please..

thanks in advance

[angelsta904]

Re: Remortgage...bad credit?

any one can give advice???

[angelsta904]

Re: Remortgage...bad credit?

all these views and no answer?

[enaid]

Re: Remortgage...bad credit?

Hi I am sorry you have had no response to your question, I personally think you have answered your own question with the remark 'no one will touch me'
The only people who would remortgage for you if any would probably have interests rates and T&Cs far worse than what you are already on.
That is just my opinion and I think in todays financial climate there may be many in the same situation as yourself, sorry if that's no help.
Enaid x

[Amethyst]

Re: Remortgage...bad credit?

Hi, Apologies for delay in replying, I think you may not have had any replies as it isn't really an area the site focuses on and you may be better looking on a site such as MSE as they have a forum where they discuss different options for mortgage lending - http://forums.moneysavingexpert.com/...splay.php?f=15

Sharon xx

[angelsta904]

Re: Remortgage...bad credit?

Thanks Sharon & Enaid.
Joined Money saving expert and looking at posts on there for help and advice.
thanks again

[enaid]

Re: Remortgage...bad credit?

Good Luck xx