None that I know of except the loan sharks (nothing to do with my name - honest).

SHARK!

Ok, I'm not going to go into massive detail here as I have ran through my finances on a number of previous threads,

The situation is this. We bought a home 10 months ago on a 95% LTV, totally unflexbile mortgage with GE Money Home Lending. Purchase price was £146950.00, Mortgage value £139602.00. Current market value approx £169000.00.

Now, after numerous failed attempts to get a (decent) secured loan to clear our unsecured credit, we feel we have no other alternative but to remortgage. The early redemption figure is a whooping £8k but we really feel we have ran out of options and things are starting to get tight. To clear all o/s credit we require a loan of £43k. This is currently costing us £800 a month in repayments (more than our mortgage).

Heres the tricky part, my credit rating needs a lot improvement although all payments have been made on time for 12 months. Partners rating is low however I think this may be because of me as he has no missed payments etc on his record. Joint monthly take home after tax is £3067.00.

We would preferably like a mortgage with the option to overpay, and take a repayment break of up to 6 months (want to start a family over the next couple of years).

Any ideas anyone?

Thanks Gemma