Hi
We have mortgage with PTSB of 270000 3 yrs into it and rates are much higher so would like to switch and top up if possible but dont know if any lenders will agree. ill give details of situation.
Mortgage of 270000 over 35 yrs house was valued at 470000 this time last year when we moved in (Self build).
Have been on interest only for 6 months due to OH being out of work. Due to restart full payments dec.
Had 1 month of arrears before interest only was arranged now paid.
We would like to top up to cover some other debts. OH was self employed and due to personal gurantees we now owe 30000.
OH is now in full time permanent employment earning 30000 pa im on 36k pa
Any advice would be greatly appriciated
We have mortgage with PTSB of 270000 3 yrs into it and rates are much higher so would like to switch and top up if possible but dont know if any lenders will agree. ill give details of situation.
Mortgage of 270000 over 35 yrs house was valued at 470000 this time last year when we moved in (Self build).
Have been on interest only for 6 months due to OH being out of work. Due to restart full payments dec.
Had 1 month of arrears before interest only was arranged now paid.
We would like to top up to cover some other debts. OH was self employed and due to personal gurantees we now owe 30000.
OH is now in full time permanent employment earning 30000 pa im on 36k pa
Any advice would be greatly appriciated