From all I've heard in the past while I'm wondering if it's even worth my while applying to my back to increase my mortgage?
Even with values down I'm in a pretty lucky position of still having quite a bit of equity in my home. However, I've got credit card bills, personal loans etc which I'd like to put on the mortgage.
Is there any point even applying... I don't want to go to all the trouble & find I'm refused? That would be very embarrassing! On the other hand with pay cuts etc I'm struggling to pay the mortgage & all the other loans - if I could put it all on the mortgage, it may cost me more in the long run but it'd make things more manageable...
Any advice anyone?