Hi axisme and fellow advisers,

I am tending to agree that remortgaging the house seems like best idea although I will go to CAB and another IFA just to get max advice possible before taking the right road. It is making our unsecured debt into secured debt but it will be a manageable debt which we will see reducing with light at the end of the tunnel. The credit cards just seem to be like throwing the money into the fire and are a constant worry, bills dropping through the letterbox nearly every day it seems.

What would you say to the Building Society our reasons for remortgage? - surely if we tell them it is to clear approx £63K of debt they probably wont let us have remortgage?

How do I find out best remortgage deal available to us do you have any recommendations?

Reason for mistrust of IFA's first told wife when due to give birth that week that "if the baby and you should die when you are giving birth you will need to consider......... .." which really upset her and the second told wife before she met me that she was a good catch for having £12000 of savings and a house and tried to get her to go out with him!!!! Dodgy!!