help...advice please?
i am a local authority tenant. major anti social issues in the area making it uninhabitable.
married couple, one infant. My husband is a stay at home parent.
i earn 38,000p.a he gets 10,400 social.
problem is:
due to student loans etc, i have a number of loans,
BOI, Tesco and 2 CC's plus my husband has a car loan with nissan finance.
i am currently paying out 1700 a month in repayments!!
my icb is only showing one loan. my repaymeny history on everything is *************************. paying is not a problem for me.
but i now need to source a way to purchase a home for my family.
i realise my borrowing was reckless but too late now.
can anyone reccommend a way to obtain a mortgage sooner rather than later?
can anyone 'think outside' the box to come up with a solution?
what are my chances of getting a long term loan to cover all debts thereby reducing my monthly outlay ? is this a non runner?
i fell so frustrated because honestly paying is not a problem for me.
We would be looking for a mortgage of about 215000.
thanks!
i am a local authority tenant. major anti social issues in the area making it uninhabitable.
married couple, one infant. My husband is a stay at home parent.
i earn 38,000p.a he gets 10,400 social.
problem is:
due to student loans etc, i have a number of loans,
BOI, Tesco and 2 CC's plus my husband has a car loan with nissan finance.
i am currently paying out 1700 a month in repayments!!
my icb is only showing one loan. my repaymeny history on everything is *************************. paying is not a problem for me.
but i now need to source a way to purchase a home for my family.
i realise my borrowing was reckless but too late now.
can anyone reccommend a way to obtain a mortgage sooner rather than later?
can anyone 'think outside' the box to come up with a solution?
what are my chances of getting a long term loan to cover all debts thereby reducing my monthly outlay ? is this a non runner?
i fell so frustrated because honestly paying is not a problem for me.
We would be looking for a mortgage of about 215000.
thanks!