Nevertheless, the point I was making was that there is money and assistance out there, you have to go and find it.

Go and sound out your existing Lenders. That should normally have been a Borrower's first port of call, although obviously now somewhat diluted by the attractions of all the competing Lenders, low fixed rate or other offerings.

Try other financial institutions, from whom you may have other financial products.Try a Broker.

If you don't go out and seek you will never get.

But don't make multiple applications which will doubtless invariably all be turned down, leaving bad credit records marks.

An Application should only be made, once a Lender has indicated that an application will be favourably considered. All takes time and effort by the Borrower, but is surely worth it, in the long run?